When friends are making plans, if the suggestion is to go to a bar, I usually just say we can meet another time, as I can't justify the money. Sometimes they offer to pay but I don't want to turn up knowing I'll be accepting drinks without any idea of when I can return the favour.
Whether we talk about mortality or being made redundant, we're ultimately talking about loss. So we have to consider the grief cycle. It's all about denial and anger and bargaining and acceptance.