If the derivatives market and GSEs and banks have a really bad quarter, and possibly collapse, wouldn’t the stock market also be at risk, and the ETF would be unable to be accessed? Also, I read that the gold investing could be risky, if the mining company doesn’t find any success in mining. Some recommend holding gold buillon, but I can’t see that we are going to pay our rent and gas in gold. How do you hold an asset without worrying about your asset holder (brokerage account, bank, stock exchange) going under?