This is a lesson some learn the hard way. Even in March 2020 the market for the two was drastically different. In a full economic collapse an exchange to trade in paper may be inaccessible, it may be confiscated by the government for the “national interest”, or the paper deemed flat out worthless if there’s fuckery by whoever is holding the metal.
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The big guys are the ones bent over taking it up the poop shoot. This will be painful for them. Average Joes with common sense, will kick some demon ass.