My Mom and Dad were born in 1907 and 1909 respectively. In 1933 they were struggling to get by, just like most folks were. They sure as heck didn’t have any gold, other than my mother’s wedding band. Their parents didn’t have any either.
Yes; my relatives of my grandparents’ generation seemed to be fairly well off - they were all public employees - cops, mostly. They didn’t suffer the Depression like a lot of people around them. But they did have to hand over some gold and they weren’t happy. They were Republicans (who took advantage of the Dems to get jobs, obviously).