You try too pay for potatoes and pork with a krugerrand and tell me how that works out

Having worked at a bank for a year I can certainly say, banks need the federal government just as much as the federal government needs the banks. The federal government (as well as state governments) frequently use banks as a low cost, low risk way to increase access to capital for those that need it, as well as of course controlling interest rates to then control the speed that the economy grows or shrinks

A well-regulated private banking industry allows the competing interests of a government and a private company to compliment eachother in ways that really only become apparent from directly working in the industry. The government provides grants and subsidies to allow small banks to provide access to capital that might not otherwise exist, competition with other banks forces banks to provide better services to customers and government regulations prevent banks from taking too much risk or doing too much harm, plus a strong government safetynet protecting bank customers from failure all come together to provide a surprisingly good system. I'm not saying private banks are perfect nor that its the best system one could dream up, but in a society that relies on capitalism as a method to limit access to resources, a well regulated private banking industry with strong competition (which we actually largely have!) is really good for consumers

Gold is not money. Gold is something that some people value but has no value in itself. It's useful in small quantities for electronics, but other than that it just looks pretty. It has almost no utility. If an apocalypse happens and society fails, gold won't be worth anything. If people need food, water, shelter to survive, they won't accept your gold for payment. They can't eat that. Booze may be a good item that will retain value well, but gold will not.

Least insane libertarian.

Precious metals are commodities, money is used to exchange commodities. Using a commodity as money is obsolete. I get that youre mad at the feds but that's a systemic problem, not moneys fault. Its like getting mad at biotech for the practices of Bayer.

These commodities are not inherently valuable, the labour required to extract them is what gives them valuable.

Currency is a very useful tool to gauge the worth of dissimilar items used for trading. It's a trait known as fungibility. Without it, we're in full barter mode. The barter system is... deeply flawed for one reason. If you don't have anything the seller wants, you're SOL. You wanna buy food, but don't have gold, silver, or a skill that the food vendor needs? Well, you're going to be hungry. Abstracting value to a useless piece of paper that denotes a value, and is enforced by the power of the land (a government) means that paper can buy food, shelter, comforts, whatever you need. It's an objectively better system.