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Monero, digital cash. Not really a solution for your open source wallet that supports all the major coins. But if you're looking strictly at it from a perspective of avoiding the Ponzi schemes, encouraging digital cash, fungible money, untraceable, the closest analog to digital physical cash you can find. Monero. https://www.getmonero.org/
There are a few open source wallets for monero, most of them are open source, keep the data locally.
!monero@monero.town
I considered making a monero wallet, but the problem is, that I'm not sure if my vps provider supports payments in monero. Although if it is, it's the best option
It would be best to first check which tokens are accepted by your VPS provider, and start the brainstorming from there.