If you have a lot of resources to protect against or known risk, you segment. For example, do most daily transactions at one bank, and keep the rest at another

If you have a lot of resources to protect against or known risk, you segment. For example, do most daily transactions at one bank, and keep the rest at another. This happens a lot in companies and government - you outsource payable operations to different division of government or a contractor. Hire one to do custody of money, another to process disbursements.