Worried about a US debt default. Should I keep my money in FDIC-protected savings accounts, or should I use that money to buy a condo?

Let's assume I have enough money to buy a condo 100% in cash, in some really safe market like NYC or San Francisco. Nothing luxurious, maybe just a simple condo in an unfashionable part of the city that's slightly inconvenient from a transit perspective. And let's assume my #1 concern is avoiding a situation where I go to my bank and ask for my money, and the bank either doesn't have it or refuses to give it to me. Or a world where the US dollar becomes so catastrophically devalued as to threaten my retirement.

Basically, imagine one of the more-probable nightmare scenarios come true. What will I wish I had done? Kept my money in FDIC-protected savings accounts, or bought that simple condo?

I know the conventional wisdom is that an FDIC-protected savings account is the safest possible place for my money. But it seems like all the rules are changing and nothing is true anymore. Don't worry — I don't plan on making any sudden moves. I just want to know what my options look like.