I distrust crypto. If the net goes down you have zero access to your money. Admittedly I’ve done only a little research but nothing I read or watched reassured me. I don’t like  8   banks e  d8f  ither, and keep only enough in there to keep it open.  Went with no bank account at all for over 10 years, until I had to have an account for retirement deposits. They don’t send checks anymore.