The black market will set up a price for gold, that's for sure. Obviously not talking about total chaos, I'm talking more venezuela like.
If you were venezuelian, and you kept your money in silver/gold, obviously with a mean for defending it, with a strong family, then you'll never starve in such situation. You could even get out of your country very easily by paying the smuggler with gold.
Gold is an eternal currency. That's why china and Russia are buying every fucking piece of gold going through the market. Moreover, that's so fucking easy to move. You can hold a lot of value in a little bag.
And what is about this fucking meme about toilet paper holy shit. God, you seem to not understand wtf is SHTF if you value toilet paper. The only most valuable things in such situation are ammo, weapons, medicine and food/water. Every little piece of "comfort" like this is retarded.
Anyway, SHTF is so fucking random, you can so easily get robbed, or run leaving everything you have, that the only true important thing you can prepare, is having a great body, big family and competences. No one can steal your brain, nor your body, nor your family (well, there is still slavery, but that's another problem).
If you don't know how to shoot, how to gather food, how to filter water, how to build simple but useful tools that don't require electricity, how to manage stress, very hard situation, how to manage your family, to help them go through etc… Then ammo, gold or anything else is useless.
And don't ever think that you can be a lone wolf. You're just gonna get fucked. It's possible today to live alone, because of how easy it's to live in our society, but in history, people were always together, because of how it's needed to actually survive. That's why, in poor countries that still have strong family and community bond, there is no homeless people, because you always can be helped by someone.