I understand this point but cash in the bank also has risks. It is being debased at 10-20% per year plus increasingly likely you'll have your account force closed.
The best way to make yourself resilient IMO is keep monthly outgoings to a minimum. No car loans, no credit card payments, no large phone contract, low rent or mortgage. Minimum long term commitments you'll have to find.
That way you won't need a large emergency fund and can keep less or none of your wealth in fiat. Fiat fwcking sucks.