She’s just ahead of the curve by a year or two. She’ll be accustomed to dire straits when the rest of us are just getting our first taste.
You do what you deem best or feel led to do, just as she has done. It’s your conscience and your money, and your consequence to bear if it doesn’t quite work out the way you’d envisioned. I will say this: an unofficial electronic-only “currency” that can be shut off on a whim by authorities does not strike me as being the place to go in a severe financial crisis. If you’re that leery of currency then go to assets that are easily sold when ready cash is necessary.