The argument is that if the economy goes belly up the value of money will go away. Gold and silver are for AFTER. It is a store of value; an insurance policy.
A total collapse is not likely. A depression and/or major war is.
Yep. A lot of people are missing the point on precious metals. Assuming you survive the collapse, you'll have value stored in case the currency is worthless, or even replaced. Preps first obviously, but PMs if you have wealth left over.