Is it Jim?
Let me postulate something for you in an approximate way.
You get a bad blood test, then you get bad scans, and find yourself with an aggressive form of cancer.
To live, it's going to take $100,000.00 cash. Not an unreasonable request for a "Proton radiation" treatment.
Do you really want to have to load your trunk with firearms, desperately seeking someone to give you fair investment return?
Hard assets are illiquid at anything close to their fair market value.
Gold has been an anomaly I will admit.
But buildings, guns, cars, paintings, furniture, are an absolute [censored] to get rid of when you need a big pile of money in a hurry.

Out there doing it best I can.