

If your concerned about the storage device ‘holding’ the crypto being lost or destroyed, you could simply memorize that 25-word code that most wallets have for signing back into the account. Your address and a passcode is all you need to send money. In the case of Monero it doesn’t have much volatility (compared to other currencies) and actually when trump was tweeting about creating a national crypto reserve, while Bitcoin rapidly fluctuated from 80k to 100 and back to 80k within a few days, Monero didn’t change much. If volatility is a major concern for you, then you could always look into stable coins, like those that are set to the value of USD or gold. I don’t use them and they work in fairly complex ways but volatility is what they are designed to combat.
Also outlawing crypto is like outlawing piracy, they cant enforce it and often they don’t even know about it happening. In the case of Bybit, they had billions in crypto and NK hackers after them, so ultra high security was a much larger priority for them than it is for a casual user of it who might only have a few Monero in their account.
If you have money in the bank it can be frozen or seized by the government, whereas crypto or cash they cant take as easily. My thinking with this is that if you have $500 kept in a crypto wallet whose password is stored in your memory, and there is no physical hardware with that code, then your money cant be taken away from you by any means.
If humanity can get through the next 100 years, there isn’t much that can kill us off. I’m hopeful.