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> There is a solution - not sure if everyone's ready to hear it yet: Decentralized finance.

Another good option is to have checking accounts in more than one bank. Whatever triggers bank A to close your account is unlikely to also trigger the same action by bank B. It requires more funds, but you decentralise your finances within the classic financial system.

If something triggers a close of your accounts on multiple banks at the same time, odds are you have much worse problems than access to liquidity.




Really just a credit card with a different institution is enough to see you through something like this.




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