Yet it's costly -- albeit they might get special conditions. I hold Xetra Gold (tax free gains after 12mon). Some argue it's safe, because it can be delivered

Yet it's costly -- albeit they might get special conditions. I hold Xetra Gold (tax free gains after 12mon). Some argue it's safe, because it can be delivered to the relationship bank: it's not really, it's uneconomical, at least for average Joe (~3% up to ~20% of value, heavily depending on denomination).