Well, I think what you are speculating is a major global depression.
The devalueization of the American dollar could happen if the US defaults on it's loans when 10-18-2013 rolls around and the debt ceiling hasn't been raised or possibly major cuts in spending (doubt that).
It doesn't matter whether you have the money in the bank or in your hand, it's going to be worth less. If you have a dollar, it might be worth a penny. So if you have $100, it would be worth $1. If you have $1,000, it is worth $10. This already happened in Asia a couple of years ago (1997) when Southeastern Asian countries were speculating the cost of real estate too high, and that real estate bubble popped. A lot of hedge funds were deep into Asian markets so that affect a lot investors. Google "Long-Term Capital Management". The value of the South Korean won and Japanese yen tanked to name two. People in those countries are still living and they aren't in post-apocalyse mode but it affected a lot of the middle class, who had money in savings.
So, if you withdraw the money, I would guess you would want to buy gold and/or silver because they will hold their value. Will we become like Greece, Brazil, and Argentina where the rich become richer and the poor become poorer? Maybe.
