I could keep bond paper safe, but to convert back out of it to pay my employees or to show proof of funds in order to purchase a new property, I’d still need an institution to go through.

I was hoping there was a list someone had put together of banks or credit unions that were in a more solid position. Since they are really all just mini branches of the Fed buying US Treasury notes when told too, I imagine all of them will feel that crunch at some point or another. Still I had hope some were “better” and that someone had done some digging to learn that. Banking is not my area of expertise.