Use the cash I have stashed away. And then, if necessary, begin using the junk silver I have. Then the gold. Then go to barter. I'm just one person with no debts or bills.
I suggest a rapid development of a local ‘scrip’ system.
https://en.wikipedia.org/wiki/Scrip
It first came about in a big way during the Great Depression, and made life a lot easier for those who were part of the system. Think of it as “barter plus”.
It is legal.
You need a person of trust who acts as an issuing authority, and some way to assure authenticity of the scrip, like a data matrix bar code.
https://en.wikipedia.org/wiki/Data_Matrix
The more businesses and people using the scrip, the stronger it is. It can also be used in tandem with coin and currency.