30% premium is a lot, though..... People paid premiums to secure...

30% premium is a lot, though..... People paid premiums to secure a house in the housing boom.... now they regret it.

A bit of hard currency, bullion sounds OK as security... but I suspect some fear mongers will exploit this and when gold comes down, some people will be feeling ripped off.

Fair enough, currencies can quickly devalue.... and you need something of worth to exchange for others food, energy.... better you don't have to flog whatever off to feed yourself, keep yourself warm...