I think it’s likely local credit unions will be the last to be touched by this BS.
You do what you see fit, but what I’ve done is get every penny out of banks and places like Fidelity and Schwab. It all went into home equity, PMs, Bitcoin, and my local credit union so I can pay my bills conveniently.
BTW, my average acquisition cost for Bitcoin was <$600 each. Wish I had backed up the truck at that price.
It will be built into banking regulations by the first of the year.