When things fall apart, it will be very sudden. Everyone will be taken by surprise. ATM’s will stop working. Recreational travel will cease. Borders that were once open will close indefinitely.
No one will be in charge, so there will be no one to complain to. People who don’t know any more than you do will try to reassure you that matters are under control, but they’ll be lying.
You won’t be able to observe much directly. You’ll see barriers that say “Road Closed” but you won’t be able to see why the road is closed. The reason for the closure will remain hidden. Rumors will fly, but no one will know the real truth. Most of what is said will be mere speculation.
It will steadily get worse. Food and water shortages will get everyone’s attention at once. Electricity outages, sanitation lapses, business closures, all will contribute to a mounting sense of panic. The more there is to panic about, the more the people who pretend to be in charge will say “there is no cause for panic.”