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.
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