Although I just wrote out a piece saying cash is king..
It’s true for getting items while times are good.
When times are bad, if you are able to cost average your purchases every month, I believe you should obtain this:
Silver gold.. and BTC are some alternatives. Nothing is fool proof. Gold is manipulated and BTC is speculative. BTC now has futures in the establishment and can be more easily manipulated price wise.
In any case, if you don’t hold it, you don’t own it.