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When the government collapses, the thugs that work for the mob boss that runs the flea market sees the guy pull out silver rounds to pay for some antibiotics, a few of the guys follow him home, kill him and his sick kid, and take his stuff and his silver round stash.
Likely services from health care to utilities (electricity, internet, etc.) will be non existent.
Good point on physical safety/security. The US has the advantage of having high statistically armed civilians: so that thugs living off robbing people won't live long before running into civilians shooting back at the would-be muggers/home-invaders.
That is why employees are paid in company script. You certainly don't want half of your employees getting killed leaving the pay station, with their bag of gold dust and ingots.

What are we giving other countries when they call our loans?
We're not actually giving China Gold are we? What are we giving other countries when they call our loans?
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