Wouldn't really mind losing a bank account as they are throw away tools anyways, but legal insurance is probably a good idea when selling on rs. I think you can export your chat history (maybe even with some signatures)
Discussion
Hmm ... I find banks and banking scary. After losing my only bank here in Chile as a foreigner and not getting a new account opened at the time I didn't feel at all like you about the issue. It's easy to lose one of 5 bank accounts but it really sucks to depend on others to do basic things that are just not available for cash.