You are looking at this from a bad perspective.

The FRN has already lost 98% of it's value in relation to Gold. The suppression of the price of Silver in relation to Gold is also interesting to prevent a balancing function. In this way everything is screwed.

Let' s consider the loss of value. 1933 - gold was valued at $25 per ounce. 2022 - gold is valued at $1800 per ounce. Compared to 1933: 98,62222%
2022 - gold is valued at $1900 per ounce. Compared to 1933: 98,68421%
2022 - gold is valued at $3000 per ounce. Compared to 1933: 99,16666%
2022 - gold is valued at $10000 per ounce. Compared to 1933:99,75%

And whether is 2022, 2023, or 3020, it matters not. The real issue is that the comparison actually is the value underlying an asset, or it's intrinsic value.

Paper & digital: trust in the system and duty to pay taxes in paper. And, I should add: convenience.

That is it. It's use is dependent on faith, it is a religious sacrament. It is fictitious. Your labor is now paid in worthless paper, representing a debt. And all you do is push the debt to the next guy, meaning: discharge. And it continues as long as people voluntary comply. Even if the paper/ digital has no value at all in and of itself.

So, as long as you can exchange it for PM, you are doing good, even if the idiots in charge of the system run the price of gold and silver into the ground in relation to fiction. You just need to have enough to support your life. And the economy will reset on a gold/silver ratio basis.

All we have to do now, is stopping to comply.