This document discusses how conventional relief systems turn disaster survivors into refugees by excluding them from the disaster response and recovery process and treating them as helpless. It argues that disasters destroy infrastructure but not social structures, and that survivors know their communities best. It promotes a model where survivors take action and accountability by self-organizing, and where NGOs and aid enable local economic recovery through markets that empower entrepreneurs and compensate local volunteers. The goal is disaster recovery with dignity and sustainability by generating wealth and opportunities for survivors.