sheltering in place sounds great until the zombies find you or at least find your garden, and you run out of ammo
for the typical suburbanite shtf should consider the value of accumulating junk silver for the bug-out bag, for small survival purchases... and maybe some gold to buy you a piece of safety (real estate, liveaboard boat, or whatever) when you find it
precious metals should nor be considered as or compared with investments, they are wealth preservers, or as the article states, insurance - of retaining the value of some of your wealth in something that has universally been a prized barter item (aka money) for over 6000 years
so we have different goals - different strokes for different folks
Cheap, easy to store, easy to conceal and carry if you go on the run, universally recognized as “money” in any barter system
Mine is far more pessimistic than yours I suspect.
Everybody needs to make their own way and plan accordingly..