Don't know much about silver or gold, hoping to learn, but.................
If you can't stand over it with a rifle, you don't really own it. I think Cyprus, Argentina, etc all clearly show that. They are going to steal the bank accounts, they are going to steal the retirements.
remember, a deposit in a bank is a loan to that bank. You are not being paid for that risk anymore (seen interest rates lately). Might as well keep it at home in the mattress. Safe Deposit boxes are worthless, the US has already stolen what's in your safe deposit box once (back in the 1930's), they'll do it again.
5000 dollars worth of gold and silver is a lot smaller and easier to move around than 50 $100 bills. Just saying.