Problem is that all banks have this.. so you either suck it up, or put your money in many banks to keep below the threshold, but that becomes difficult to manag

Problem is that all banks have this.. so you either suck it up, or put your money in many banks to keep below the threshold, but that becomes difficult to manage.. The alternative is investing them which is probably okay if you know you won't need funds immediately available, but since everything points to the next financial crisis, it'd probably be better to wait a bit with investments..