I use all the options. Even nostr:npub1mftv2j67vayavkks8rqev3u8jjhefe86tf80msstfxvpunk9vmps6prkl3

For larger amounts I trust the liquid federation more then any bank. It happened many times to me that some wire payment was held by any side of the transaction. Even for weeks. Or returned (with all the fees involved).