The FDIC has always been a fraud. Even though your funds are insured, there was never enough to pay the loses. That’s why, under the law they have up to 100 years to give you your money.
I don't know what's secure in a crisis. One thing I'm doing: If it looks like you can weather a crisis where you live, it might make sense to get all repairs and purchases done now, rather than keep that money in the bank.
Silver is intriguing. Last week, the gov stopped the sale of Silver Eagles because the demand for them has become so great.