I had my life savings (all funds in my bank account) frozen, without notice, without explanation, and without recourse for 3 weeks. They literally couldn’t tell me why my account was frozen besides “social security has flagged the account.” This was at one of the largest banks in US. I never committed any crime or suspected of one, or had any weird transactions. When I protested at the branch asking how I’m supposed to pay rent they said “sorry”. After almost 3 weeks they unfroze it without explanation and offered to pay the bounced check fee for my rent.

Yeah I’d rather have bitcoin. Bitcoin removes the need for banks altogether. I don’t want the banks and government in control of my money.

I'd start with two separate accounts, less likely to be frozen simultaneously. After that, I'd try holding some cash in a safe somewhere. Or prepay rent for a free months. Or keep some money in a friend or family account. Bitcoin would be lower on my list.

I’d argue that with Bitcoin being volatile enough to have double percentage point swings in a single day, that you’re not in full control of your money with Bitcoin either.

Most people will use stablecoins such as Dai or USDC. Bitcoin is just an example here.