I saw a youtube video series about a guy cleaning out his late fathers house. He had significant amounts of PM's stuffed away in the attic, buried in the yard etc. That was cool, but the coolest thing in the video series was in his fathers shed....he had a 5 gallon bucket full of half dollar coins....they weren't silver or anything, just clad....at first I was thinking to myself...crazy old man, but as I thought about it more I think it is pretty smart. The old man was preparing for different scenarios. You are right, most people don't have PM's, and when the banks go down a medium of exchange will be paramount. Great article.