Precipice is very soon. This is so bad it's hard to imagine.
(media.greatawakening.win)
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It was never supposed to be you could only trade via gold and silver, more like if you have any hard assets, you will succeed and gain wealth way easier than if you have no assets.
An example would be if no one could afford the local coffee shop and they had to sell, you could purchase it with x amount of silver/gold and own it for when things get better. Not survival but prospering.