I personally know others that have experienced this I have had to help out. Another who simply lost all their identity documentation in a fire and was locked out of their accounts. Similar stories with many homeless people I used to worn with.

It made me realize how fragile our access to bank accounts and identity actually are.

I have as such setup a portion of my wealth in crypto-assets with a dead mans switch and recovery methods covering fire, amnesia, identity loss, or death, while ensuring the majority can't be seized by a government or rubber hose attack without the consent of myself and a quorum of people I trust around the world confident I am not under duress. As long as I have the freedom to communicate and some time I can recover.

The market value of crypto-assets may not be predictable, but I prefer to be able to count on never losing access to it, and having theft protections no bank can offer.