So I was toying around with the idea of what it would take to go full Snowdon mode. I starting looking around for info online about how to de-bank yourself and unfortunately non of what I found was useful. One comment on a related reddit post literally said you should just get over your irrational fear of banks, which I get what he means from a great depression standpoint but that's still incredibly unhelpful. Other resources pretty much all said it's too inconvenient, too expensive (because a lot of services you would use might charge fees), and not worth the effort. Most of the discussion around this topic though was focused on normie reasons like not trusting them with your money or whatever, but not much discussion was related to how banks participate in the ever expanding data market. I figured it would be more helpful to ask this wonderful community of like minded privacy enjoyers.

A bit of context on the scope of the question:

• I love monero and would use it for most of my online purchases where applicable, but I don't want to store my money in crypto unless I can be 100% sure it's a reliable stable coin, and I don't trust the current state of crypto to be capable of that so a different way of storing money would make more sense (the obvious answer being cash in a safe like the good ol' days).
• I'm sure this community would take this as a given, but I'm not looking to move from a bank to another service that requires a similar level of PII, like cash app. Only based anonymous methods allowed
• However I don't necessarily mean untraceable. I'm not looking to start beef with the IRS, I just don't want my financial info in the data market

What I mean is if you depend on paid services for things like email or your password manager, you have to be able to guarantee that you will always be able to pay for it or else you will be locked out of that critical service to some extent. For example if you were to sign up for Tutanota and have one email for personal use, another for healthcare, and another for banking, and then at some point you are either in a tough financial spot or your payment method gets lost or stolen, you might lose your email for critical services.

Simple login doesn't have this issue because they promise that even if you stop paying you get to keep the aliases you've made. But most services don't operate like that.

I know the default answer would be "what are the odds you won't be able to afford $10 a month". For context I am poor and have always been poor, so it's very easy for me to understand that even if I become successful there will always be the possibility that I might lose everything, and the whole point of security is preparing for when bad things happen, even if they don't.

I'm curious if anyone else shares this opinion, because I haven't heard anyone else in the privacy space talk about it. Probably because most prominent people aren't dirt poor and don't factor that into their threat model.