In the ‘70’s, my father decided to buy gold. He was offered a gold certificate or gold coin. Let’s see, which would be better - a piece of paper or the actual coin. He picked the coin.
A few months later, that company went belly up and left a lot of people holding pieces of paper.
His thought was that if he or my mother had to be put in a nursing home, I would have gold coins to pay them some little extra’s. Fortunately, I didn’t have to do that.