If id were to use Bitcoin as my primary way to receive/pay money, but don't enough about it to understand the difference between the forks. Where do I store my

If id were to use Bitcoin as my primary way to receive/pay money, but don't enough about it to understand the difference between the forks. Where do I store my loan? How can I be sure that some fork that happened 2 weeks ago wont become the main chain and thus my loan will be worthless in a few more weeks? This has to be made more clear for the "normal every day" user in order to make it really work, if you look at /r/Bitcoin and /r/btc, there is so much difference in their ideas.