In your dystopian future, what good is gold if you run out of food and water?
Right... exactly. So decentralized (but not necessarily efficient) systems need to come into play, and that includes physical currency. Including food production, water collection & purification, construction, and other means of production.
There is a reason why SWAT teams have raided citizens at gunpoint for collecting water.
I'm not going to speculate exactly how that all goes down but it's pretty weird.
The entire system needs to change from the ground up.