So to me a lot of "metal" backed currency is just a version of "oh shiny" and a way of telling me that I'll never feel I have adequate resources cause someone else will always have the "gold". What do I need? Food, clothing, shelter from bad weather and then all the things that make life worth living. A healthy community and loving people along with dignity and time to enjoy the same. God told me that I don't need money. I need the things it buys. Why do we ignore the coins with "In God We Trust" on them? For the times when we need or just want a way to conduct " non-equivalent " transactions? We are all used to fiat anyway. A community can decide a dime is worth a meal, for example. Our money has lost so much value that going back to coin and valuing a dollar at what $10 buys now could be about right. Plus even the poor likely have coins. Just my "two cents". If the grid goes down or banished hacked what would we send anyway?
You forgot to mention vaccines as a prime driver of medical costs and borrowing. They induce autoimmune disease, asthma, allergies and a host of other conditions. People will hock nearly everything for a sick child. Best thing for public health would be to end vaccination. BTW, pretty much everything a vaccine does is opposite what we have been taught. For example, they can spread contagious illnesses by turning the vaccinated into Typhoid Mary type carriers.
I was once complaining to God about my need for money. As clearly as if I'd been spoken too I heard in my mind: You don't need money you need the things that money buys.