I agree. It is too late to be in gold, way too late. May be some junk silver coins and those for the actual barter value. They will be the only thing recognized as currency for a while.
Otherwise prep items. And skillsets everything from crafts to computer will be needed.
I completely agree.
I will starve, because I never had the same opportunites as most people, but I’m mentally prepared for that, because I can be mercifully dead in about 4 days. :)
I think over time in a collapse that will be the case, but in the beginning, TP, ammo, basic food necessities will be a hot commodity.