If everything else fails, I know I can still have two things to pay with: cash and crypto.
If "everything else fails" the internet has failed, and crypto will be worthless. Gold will probably still have some value, unless shit really hits the fan.
Good luck buying groceries or paying the mortgage with Crypto.
(You conveniently left out “cash” from your reply. Cash. I’ll buy groceries with cash, if I can’t use my card.)
You have to look at the reality. Crypto has been used overwhelmingly for scams and crime.
So has regular currency.