Been saying this for a while - whatever we use is I N C O N S E Q U E N T I A L
We need better overall solutions that are at a Nation State firewall level too. Individual moved ain't gonna cut it.
They'll
(1) block access
(2) forgot/wrong password
(3) suspicious cloud flare
(4) can't pass the Captcha,
their way out of things.
So your solution is don't have a Bank account anymore? Best of luck with living a life that off-grid especially if you have family or ANY life at all - impractical.