You can also just have multiple banks and then choose one of them to be the account where you put your 'working money'; i.e. an amount that you can afford to lo

You can also just have multiple banks and then choose one of them to be the account where you put your 'working money'; i.e. an amount that you can afford to lose. This way you still get the convenience of having a bank app (quick payments, transfers & stuff), but not the risk of losing it all.