From a societal view it is worse when everything is down at once. Leads to a less resilient society: It is not great if I can't buy essentials from one store because their payment system is down (this happened to one super market chain in Sweden due to a hacker attack some years ago, took weeks to fully fix everything, and then there was that whole Crowdstrike debacle globally more recently).

It is far worse if all of the competitors are down at once. To some extent you can and should have a little bit of stock at home (water, food, medicine, ways to stay warm, etc) but not everything is practical to do so with (gasoline for example, which could have knock on effects on delivery of other goods).