The best way to keep money is in a cryptocurrency wallet. Banks are there for their own benefit, not yours as they would like you to think. They love loaning you money that is not theirs to loan in the first place and when you take out a mortgage the bank is manufacturing that money.
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I would suggest that some cryptocurrency wallets are better than others. Some cryptocurrency wallets allow you to store the token on a laptop, phone or even thumb stick. But if that device fails, the tokens are lost. The thing I like about steem is that the wallet is distributed across 14,000 servers all over the world. The changes that all of them are wiped out is very remote. So the only challenge is finding a computer and internet access to connect with it. Banks don't care about people. Their only concern is with their own cash flow and profits.