A few things about that. Paypal: I'm sure some people here experienced their accounts being frozen or unable to withdraw their funds due to a change in an AML provision that you somehow triggered unintentionally and have to go through leaps and bounds to get it restored. So would you be comfortable putting your money in Paypal in that situation where there is a crisis? Also, how would you access your funds in a banking crisis as Paypal is tied to the banking system? And this is just assuming that the crisis will be contained in Australia. How would this work if there was a crisis in the US? Currency houses: If were talking about something like Transferwise, there would be a strong case to do it. Once again, how do we access our funds in a banking crisis, which seems to be what the Australian government is doing everything to prevent? So how far does one follow the stacker concept "If you don't hold it, you don't own it"? Once again, I'm looking for opinion to broaden my strategy. So far, everyones input has been most valuable.