I know this is a Google forum, but why do people speak of "the SERPs" as if there were no search engines other than Google?
It seems pretty unlikely that anyone with a legitimate site is going to get whacked in Google, Yahoo, MSN, etc. simultaneously (and will lose inbound links from magazines, newspapers, libraries, sites in their own sector, personal sites, etc. at the same time).
Sure, Google traffic is valuable and important, but how many legitimate sites are 100% dependent on Google?
IMHO, the best way to avoid financial disaster is to keep expenses reasonable and save money for a rainy day. (Greed, waste, and self-indulgence aren't likely to guarantee peace of mind.)