You're on the right track, but cryptocurrency has unfortunately shown repeatedly that it is not the solution (nevermind the ubiquitous fraud, scammers, but nearly 2 decades in, there is no good easy-to-use and secure system, the UX sucks).

It does appear necessary to spread your risk across multiple unrelated financial institutions. Make multiple bank & ccard accounts, and do not link them. Far less convenient, but should improve your safety.