How do you think student loans will "sink the boat completely"? They aren't traded, the money is mainly owed to public institions and banks, and it isn't the biggest piece of the debt pie. I'm even more confused how you think gold and bitcoin are hedges against a crash in the dollar. Historically, real gold returns have been worse during higher inflation. And during previous currency devaluations, holding commodities only worked out if you held the right ones. Oil has done far better than gold depending on which time period. Foreign currency can do just as well and is easier to trade than gold. To properly hedge the dollar you need to hold more then just bitcoin and gold, you would need silver, oil, and a basket of currencies as well.