Then why would the prophet counsel us to get out of debt? He didn't say to speculate and pay off your dept when hyper-inflation hits. Maybe read what the GAs have said since Joseph Smith regarding the last days. My favorite is a quote from Ezra Taft Benson --

Too often we bask in our comfortable complacency and rationalize that the ravages of war, economic disaster, famine, and earthquake ... cannot happen here. Those who believe this are either not acquainted with the revelations of the Lord, or they do not believe them. Those who smugly think these calamities will not happen, that they will somehow be set aside because of the righteousness of the Saints, are deceived and will rue the day they harbored such a delusion. The Lord has warned and forewarned us against a day of great tribulation and given us counsel through His servants, on how we can be prepared for these difficult times. Have we heeded His counsel?

- Ezra Taft Benson (General Conference, October 1980)