Don't use banks any more than you have to use them. I don't. I keep just enough in them to pay my monthly bills. Use a credit card instead of a debit card too to avoid your actual bank funds being stolen.
For Steemit.com specifically, keep the majority of your funds in Steem Power or Savings instead of STEEM or SBD. That protects it from immediate withdraw if you fall for a phishing trick and share your key.
As far as I know, no one here has been hacked. They've all fallen for a scam instead. That's the user's error, not a problem with Steemit.com.
Don't have just one account either. Spread your savings around to better protect them. No one should have a majority of their wealth in one account anyway. That's asking for trouble.
Great advice, and I like your ideas about banks too.
Thank you and followed!