I’m looking forward to the day that our electronic banking system crashes and the gimmedats can’t buy anything. If you live or die off of a $1400 check from Uncle Sam, you should be taking serious stock of your life situation.
The digital currency approach ensues you can't extract the value of your account into tangible currency beyond the control of the bank. Expect "negative interest rates" stealing the value of that digital balance...just because they can.
Physical silver or gold is an option now. Alternatively, some value moved to Bitcoin. Food is also a good asset to have in hand. Money in the bank will remain there very soon.