I would use the bank owned by my government, the National Savings and Investment bank. And I do.

The reason is that since the government owns this bank, and the government issues the money, if the bank fails the government fails too and the money is now worthless anyway.

Some in stocks, some in banks, some in bonds, some in real estate, some in precious metals, etc.

MSCI ACWI IMI, FTSE ALL-WORLD, etc.

For that to fail, the whole world economy would need to fail as well, and at that point, no money on any currency is worth anything.

Not all in the same wallet/bank/stock/currency/...

That way if something goes awry, I still have the rest.

Probably in US Treasury Bills?

More than one place.

In an investment account with a reputable brokerage.

What's the difference between that and a bank?

AFAIK, the underlying assets in investment accouns are owned by their account holders, the broker just manages them. If the broker becames insolvent, these assets are not part of insolvency proceeding.

For regular bank account, there are no other underlying assets, it is just the sum bank owes to the account holder. If the bank becames insolvent, outside of insurance limits, these are just claims against the bank.

Well the fun part is that the way it's different is that there would be a bank account with your money in it, that the brokerage isn't allowed to touch. So, you're protected from the brokerage going bankrupt - your money is still yours if that happens.

But it's still in a bank account, so if the bank goes under you're screwed. See my other comment in this thread though...

SIPC isn't unlimited, though:

The Securities Investor Protection Corporation (SIPC) was created to protect against the loss of customer assets at brokerage firms. SIPC offers protection of up to $500,000, including a $250,000 limit for cash, if a brokerage firm fails, and covers most types of securities, such as stocks, bonds, and mutual funds. [0]

[0] https://www.schwab.com/public/file/P-3042070/Asset_Protectio...

My holdings accumulate capital gains and are insured by market forces rather than the FDIC. I can put them in volatile holdings like stocks, or fixed income or even just money markets. That's pretty much what banks are doing and just keeping a bigger percentage of the returns for themselves.

64 banks, or treasuries

Whats wrong with random hole on random private place you own ?