Games that feel like being unprepared and totally caught off guard by an apocalypse/disaster

Saw Resident Evil a couple days ago, and enjoyed having an action hero that's initially pretty bad at all the action-heroey stuff. Badass soldiers and survivalists are fun and all, but I wanna play as a Bryan, where I'm a normal loser who doesn't know how guns work and is not in the slightest composed or calm through any of it.