Well I’ve lost digital pictures at multiple times in my life and even as recent as 2016-2018 so until recently it was probably a bad idea for me to own bitcoin directly. Advent of the Wall Street ETF was very helpful for me.
as for a true apocalypse, well I don't think anything digital will matter and we have tangible gold and silver and a couple of guns and more important a lot of water and shelter that remains cool in the summer without HVAC, so we have tons of advantages.
as for central bank currency hyper-devaluation and fascist control (for purposes of this post we can assume left and right are capable but I’m pretty sure everyone knows how I view the current political risks), that is a risk, but for now I have to live with it. Owning bitcoin is a way to alleviate concerns, but it not my first priority. Our first priority is working on a second place to rightfully live (active measures ongoing), then we will add a second passport, same place as the second place with standard citizenship applications over time or if financially feasible a second passport simply for sale (unlikely but Malta, Nevis, etc.).
from there it’s where to hold assets and even if I wanted to put more in digital currency not sure that’s feasible for a while. 5/6th of our NW is tied up in physical real estate (not a REITs) and closely held business interests (not publicly traded). The good news is the monetization of those will well outpace any currency devaluation and should even outpace bitcoin appreciation, the remaining issue - which I will admit at this point is unclear to me - is how to be flexible with the banking / domicile / location / type of assets to move that into when asset exits occur. With a second passport I could do a lot, but some of that depends on making drastic moves like forsaking US citizenship. Quite frankly I never thought that even remotely likely, but today, with laws passing at every turn that make my life either incredibly difficult or worse functionally unlawful, it is now something I have to consider. Unfortunately I need 5 more years and honestly will probably fall short by 25-30% of a number that makes all of this totally and easily doable (purchasing a second passport and having enough wealth to be citizenship agnostic). But we will see.