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Comment: You say "many people do not

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You say "many people do not

You say "many people do not have safes and do not feel comfortable having large amounts of silver and gold in the house"....

Well you can get a very secure, fire rated safe for under $1000, and bolt it to the floor. Then get some silver, and some gold, and also keep some FRN's in there that you can use in the event of a 'bank holiday' while the U.S. dollar still functions.

Keep only enough in a bank for day to day transactions in your checking acount and maybe $1000 or so in a savings account; it's not like they pay you any interest anyway, so keep the bulk of your savings truly secure in your own safe.