I'd be interested in a novelization of something like the Argentinian collapse. No actual "SHTF" just a series of moderately bad events flowing from rational political and economic decisions.
More "S gradually builds up", like a country well-meaningly managing its way into a depression (how unrealistic I know).
That'd open the story to a varety of viewpoints, rich, middle class, and poor, also urban/rural and leave out the obvious good v. evil cataclysmic confrontations.
Few "heroes", mostly just regular people with regular capabilities trying to get by as best they can. Some though falling prey to their worse natures, some, better equipped, trained, prepared rising above and trying for something larger.