A similar experience when younger (and less financially secure!) has lead me to embrace n+1: my emergency fund (the part that isn’t in the coffee can in the freezer) lives in a separate bank than my checking, and I carry an Amex and a Visa as backup and pay with credit at all times.

I haven’t needed the redundancy since then but it’s comforting to know that I have a multi-month cushion to fight with banks if I need one.