I agree that the ones that get their monthly pension, social insecurity, or food cards will be the first to accept this thing. I will not be doing business with those people. Though, if they have something I want, I will have (and do have) sugar, coffee, TP, and other things that do not go bad. I have been buying extra for years and they will bring me what I need to get by. We can also make our own silver coins with a scale and a torch. Some people will take silver when their money gets shut off.
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Be sure to stock up on chocolate!
Chocolate is one of those substances that if sea travel and international payments get messed up, you no longer see.
So add cocoa powder to your stocks of trade stuff.
I like chocolate chips, because it is easy to make change 😝