I would think gold wouldn't be worth anything in the modern world if civilization actually collapsed.
You would need a semi-robust trading market as well as an upper class who can afford to not spend resources on survival to trade gold for necessities, wouldn't you?
Probably. But gold is more useful than electronic money. Gold has inherent value because it's a metal that's easy to hammer into useful objects that won't corrode and it's pretty. (Although it's too soft for things like knives and most other tools.)
You would need a semi-robust trading market as well as an upper class who can afford to not spend resources on survival to trade gold for necessities, wouldn't you?