Not saying precious metals are a bad idea, but who decides what they're worth in a scenario where higher society has broken down? Would barter be better, or a product for labor? Where do you keep it? How do you carry it? Would a local credit union be a good idea to hold large amounts of gold? It obviously would need to be protected 24/7 by armed men. How would they be compensated for their time?
Not saying precious metals are a bad idea, but who decides what they're worth in a scenario where higher society has broken down? Would barter be better, or a product for labor? Where do you keep it? How do you carry it? Would a local credit union be a good idea to hold large amounts of gold? It obviously would need to be protected 24/7 by armed men. How would they be compensated for their time?
Search Venezuela and see what small amount of silver will get you in a year.
Those questions have been answered repeatedly over the last 5,000 years.