Will reserve cash be worth anything if things collapse? And will gold or silver be worth anything if eating and fighting off starving looters are the most important considerations of the day?
Once it gets to a certain point, things will unwind very, very fast IMHO.
That’s why people should not wait to get prepared. It’s not too late if they start tomorrow morning and are willing to spend a lot of money (that they may not have).
I’d never be able to do it if I started now. But something is better than nothing.