That test is unlikely to happen. regular folks do not put their life savings into currencies or commodities. They put their life savings into banks. And your s

That test is unlikely to happen. regular folks do not put their life savings into currencies or commodities. They put their life savings into banks. And your savings account is denominated in ...? (hint1: USD EUR JPY CAD AUD) (hint2: The 'stuff' people exchange for goods and services) (hint3: Currencies!) You're right about commodities, though. Unless you are deliberately taking positions in commodity ETFs or futures contracts (something that a person is unlikely to be doing without knowing it), you are probably not taking on commodity exposure.