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this post was submitted on 20 Dec 2024
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One big reason I'm hesitant to keep my money in banks is because banks think the best form of two-factor authentication is text message based 2FA and I'm like that's barely any 2FA at all.
My banks are like that too. Of course I can't speak to anyone who might influence that decision. Steam has better security than almost any other account I have. I appreciate them for that but it also seems ludicrous to me that my video games are more secure than my bank accounts.
I keep my money in Monero. That way, it's me who has to be targeted instead of an institution. And if I fuck up and lose it, it's my own damn fault.
I have some crypto, some stocks, etc. For many things I still need standard banking though. Crypto just isn't there yet. Maybe someday... But having money distributed is still smart either way, so I have many baskets for my eggs.
I keep a little bit in the bank, like enough to pay my bills and such, but any extra I put into Monero.