So you're worried about govt restricting access to bank accounts for political reasons (legit concern since it's happened before), but still having access to funds when needed? If split it up it up to spread the risk and balance assets between immediate needs and long term investments to try and keep up with inflation. Cash for immediate needs, and crypto, gold, and other tradeable items that you don't think you'd sell for at least 5 years. Everything has pros/cons, so that's why I wouldn't put it all in one place.