I'd say that the ideal solution would be crypto for online, gold/silver coins for physical.

I like physical and don't want to see it go away where it works, but crypto is ideal for transferring money long distances instantly, which is important for online money transfer of any kind, whether purchasing something or doing business online.

So if someone did more local than online they could have a higher ratio of physical money, whereas if they did more online than local they could have a higher ratio of crypto, with a physical stash in case shit hits the fan.