You're right that it's not meant for SHTF. It's for holding value under normal circumstances instead of passively investing in whatever other bubbles (stocks etc).
Btw, not very many people are putting their money into gold and silver. Returns on that have been lackluster for decades. If BTC truly became "digital gold," I wouldn't be very interested.
>USD is backed by a computer at the Federal Reserve. Sounds pretty stupid but it works.
Pretty much why I think it's stupid as an investment, it's no better than the USD if SHTF. You can't hold it like gold or silver.