I just ran through a thought experiment--if Google (gmail) Apple (my phone) and Tmobile (the current owners of my number) all simultaneously nuked me, could I recover?
Luckily yes. Online access would be hindered, but nearly all my financial resources are handled through a local credit union.
That seems like that would potentially stave off government locking off access, which is where I am most vulnerable.
I'm not in fear of the government seizing my assets, but I don't trust Google not to lock me out due to an algorithm run amok, or Tmobile giving my number away due to simple social engineering (that actually happened).
Luckily yes. Online access would be hindered, but nearly all my financial resources are handled through a local credit union.