What the heck is wrong with the hole in the backyard? Gold is money and has been money because it is something that holds its value when all else fails. All else includes checking accounts, savings accounts, stocks, bonds, everything. Gold needs to be in your possession or in a place where you can get it when you need it. It cannot be in someone else's hands. Gold is your life preserver when the ship is going down. And once again, when the ship is going down, do you want a life preserver or a life preserver certificate? Own it and hold it. Hide it. Bull