I will use two banks. The first bank is the bank I currently use. My savings account will function as an emergency fund, and the checking account to handle bills. However, in the United States, FDIC will only support $250,000 if the bank was to suddenly expire. This loss will cripple me, and make things so much worse.
With that being said, I will move most of my money to a Swiss Bank Account. The rationale is simple – my money will be properly protected, and I will just link my checking with my Swiss Account, and transfer money as I see fit. This will protect my financial interests while still giving me access to United States’ funds. Most people would use a Swiss bank account to avoid taxes. With me not able to work, I will not have income taxes. Instead, my money that was already taxed will be used to provide me with funds.