Less online and more psychical line....
I know I know it's a waste of time but better than having my money in a third world bank.
We don't need to go to the bank to pay bills, we can pay in specific places that take the money and transfer to the acc.
To store it was in a web site like Amazon, that gives you daily interests for having the money there. Of course not all just what I need in case of going out of cash in a real need
Now mostly in BTC, that site and hidden cash cause it's a third world country so is dangerous.
Losing time is my cost of not trusting in the banks after what I saw more than 20 years ago.
1 bank going down is almost nothing for me.