I think the problem is that you are trying to assign logic to people who think/want the US to collapse. These people think you should hoard gold and ammo because gold makes them feel superior, even though - as you point out - in a real collapse gold is worth nothing. Its a sort of cynical populism to them - they hate the current order because so many people have more things than them, but when the collapse occurs THEY shall be king of the hill with their basement of gold coins.
I have also always wondered why so many people so desperately want society to collapse. I think most of it is a romantic notion of a post-apocalyptic world that they got from watching movies like Deep Impact. They think finally they will be free of societal obligations and be able to do what they want. It doesn't occur to them that life in a collapsed society is no fun, and comes with NONE of the luxuries they enjoy today (like electricity - that generator relies on gas which won't exist, after all). Part of it is, again, populism - finally they will have a great equalizer, and all of the rich people in today's worlds will be brought down low. For you average minimum wage basement dweller, this brings them great personal satisfaction.