I agree 100%. I suggest folks save at least 10% of their funds in private options like Monero and Haven Protocol, which has both a base currency XHV and PRIVATE stablecoins for the first time ever in crypto! You can even trade to different private stablecoins and to/from XHV from right in the wallet, as they have an exchange built-in as a feature for the software! No more worrying about if it gets banned from exchanges since it has its own! But even better both Monero and Haven are being added to Thorchain, so the 2 main privacy coins and BTC, ETH and more will all be connected and can easily be swapped with a few clicks. Thorchain is great because it introduces DeFi to coins like Monero and BTC, which do not have smart contracts.
Haven + Thorchain is all you need, bans are now irrelevant.