I wonder about this.

Bad actor at plaid gets access to X accounts. Then sells data? Does unauthorized transfers? Create political or religious dossier on every account?

I assume my balance would be returned if someone hacked but what if they wrote checks with signatures which is fraud and that's different. My understanding is no. Fraud doesn't return the balance.

I have my money in 3 accounts. Most I lose is 33% of my total wealth.

The alternative that illegals in the area use are gold and cash and those ladies get mugged and robbed constantly because others know they stash their valuables on their neck and under their bed.

Without a bank the options are limited. Everything is online. Swiss accounts are toast. Crypto has similar problems as gold. Storage and protection is complicated.

I'm inclined to build an LLC type asset and insure the liquidity or something.

All my info can be purchased or captured through my phone or mail and that is enough info to write a check or take out a loan of $50k in my name.

I am not sure the laws and banks protect me in the event someone successfully claims to be me. I wouldn't mind mandatory in person wet signatures for anything over $1k-5k or >5% of my account