I’m always amused by the gold hounds. As if they would be able to slap a bar of gold on the counter to buy milk and bread after a TEOTWAWKI event. In a post apocalypse society, all forms of money will be temporarily useless and we will have a barter society for a while.
If you do not have skills to barter with, such as carpentry, medicine, mechanical, etc., you are just an useless mouth to feed. It will be the skill sets that you bring to the table that will determine your worth to a post apocalypse society, not how much bitcoin, gold or dollars you had stashed away.
Folks will trade with boxes of ammo during that stage. Later, they will buy homes and estates with the gold.