Did you see any of the regular APs that post here have any problems when stuff shut down for months and they had no income from their AP activities? It may as well have been years for a lot of them. Wouldn't have made a difference.
I know that you cannot comprehend that as you jones for your monthly check in order to hit the craps table for a week or two. But it is what it is.
How much money is needed before whether or not you have a pension check is even relevant?