As end of civilization currency it’s worthless, (at least to me.) I’ll barter you some food for ammo, but certainly won’t accept Gold in exchange for anything.
1. People with spare food or ammo in a crisis will gladly be taking gold for some of their spare supplies. Because...
2. While gold might not help you survive a crisis (though it can, as point one illustrates) it has ***always throughout human civilization*** helped wealth survive a crisis.
Also, there has never been the time when gold did not buy the affection of beautiful women.
I have plenty of ammo and grow my own food, but won't trade either for bling. Your Gold is without value to me. Any “beautiful woman” so shallow as to require shiny metal ornaments probably wouldn't be any good behind the plow, so is also without value to me.
Many people, even here, are simply incapable of learning from history. Their “normalcy bias” is just too strong. Only the school of hard knocks will wake them up. Nothing else.