Financial assets, precious metals, are opportunities to invest, either for diversification to reduce the volatility from volatile assets, or to gain some return when opportunities arise.
If indeed currency falls, compared to the state of society at that time, we will have bigger things to worry about than government returning our gold, holding physical gold may not help either in that situation.
Value of certain things changes with perception. It is said that, gold has value because everyone thinks that it has value, and if that perception changes, it may not be as valuable as it is today.
Just saying.
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