Spot on. Understanding the difference between money and currency is critical. Money holds its value over time is fungible and divisible. If you don't have some start with Silver. Put one once per month into your personal bank. If you carry insurance for your car our house or person you should carry some against counter party risk. There is a reason the government made gold illegal. It is call time to sheer the sheep and slaughter the pings. The governments are a blessing when thy protect life liberty and property. Everything else they promise/do is false philanthropy. AKA theft.