I agree. I think you have to be a real baboon to assume only digital and plastic is the way to survive.

Several cards, a few K of cash with a stash of gold sovereigns in the house, some gold and silver bullion offshore should see you well. These systems will fail and with energy blackout / brown outs increasingly likely you need it.

I am not in the baboon camp on this one. Leave the baboons to 100% trust governments.