It depends on the SHTF scenario. If the other world powers abandon the dollar or everyone is believing a rumor creditable or not and it triggers a massive international dollar sell off it could cause massive inflation. Then the useful idiots who don't understand how the financial system works all run to the bank and pull out all their money because that's what everyone else is doing. And now the banks are closed, so even if you had money you can't get it. Here if the 1st or 15th falls on the day before a 3 day weekend you can bet every bank owned ATM in town will be dry by the first day of the 3 day weekend. The only ones that will still have any cash are the privetly owned ones that charge you $10. The only time PM would be more or less useless is in a total devastation scenario where everything is wiped out like initially after a real bad earth quake, huricane, tsunami or solar flare EMP. Eventually when trade is restored people likely won't want cash. At least with gold and silver you will have something tangible after SHTF. Which you can't say the same for all that money you had in your bank or 401k. By any chance do you have buyers remorse because you panic bought silver while it was high and now regret it? If so lean from it and don't so it again. You can resell it and will have less to show for it than when you started out. Realistically you should only be doing large buys of gold and silver at most once a year, or roughly every 2 years when the price is at least a 1 to 2 year low. For some reason when the price gets high everyone wants to panic buy, human nature I guess. If you have a good stash built up it will temper the urge to panic buy, hell you may even want to sell like I did when the price shot up. Unless you like to buy a little each month and generally ignore the market highs and lows, then go for it but I do recommend not buying and holding off for a month or 2 during price spikes when everyone is panic buying. Then just buy more when the crazy settles back down to a normal level.