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@James,
to a degree, I agree with you concerning PMs.
But as Selco pointed out, it is only when all the other needs are met (Maslow’s hierarchy of needs) is when PMs may actually come into play, and a actual working economy.
You can spend a lot of money on PMs and not get the equivalent post-SHTF.
A dozen eggs are going for about $3 a dozen currently.
Post-SHTF, the JIT/BAU system has collapsed, what would the going rate for a dozen eggs be? 5, 10, or even 20 pieces of silver? A 1oz gold piece?
Sound crazy?
After a few days, someone just might be willing to part with their PMs for a dozen eggs to feed themselves and their family.
It is only when all the other needs have been met, and there is actual wealth for luxury items, and in a real working economy that PMs will have value.
Until then, I would be more inclined to trade for ammo, medical supplies, real tools than PMs.
