I'd rather have physical assets. Numbers in a computer can be turned to zeros at any time from anywhere. And I'm not talking gold or silver either. We aren't allowed to have a high trust society and I personally don't have a way to verify the authenticity or purity of a gold or silver coin, so I'm not trading whatever useful thing I've got for some unknown coin in a collapse. Problem lies in picking physical assets that have value here and now as well, not just during a collapse. Try selling a gun or ammo right now- you're going to have to give at least a 20% discount versus a store. Try selling food or water- nobody will buy from you versus going to Walmart.