I have never had my money stopped like happened to you. I was saying fiat is safe, meaning actual currency not money in a bank or brokerage. Physical fiat is safe to a greater degree than most things. It does depreciate but almost always in a predictable and informed manner.

Money in the bank is proven to be at risk. Governments have often implemented capital controls, Greece and China are two that come to mind but I think it happens a lot. You might have money in the bank but for a variety of reason you are frozen out or have limited access. I live with the mild lingering fear that banks, courts, the IRS or the State or Federal government might confiscate my wealth. There is only so much I can do to protect it, even my Bitcoin might not be beyond their reach. I use three different banks, three brokerage accounts and PayPal. In addition I have significant physical assets including gold, silver, ammunition, wine, tobacco, food storage and currency in case all electronic commerce come to a halt. No joke, after a hurricane or other event that turns off the electrical power there is a period of time you cannot use credit cards or get money out of an ATM.

Seems like you had too many eggs in one basket. Nobody would loan you money when the bank froze your account?????

TEK