Obsidian.md hands down if you can transition to markdown instead of rich text. Lets users have wiki style hyperlinks to notes.
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I really enjoy the variety and diversity of federation. There are subtle (and sometimes not so subtle) differences each instance brings. It’s refreshing.
Now for the average joe, there's the social security system which will cover up to 100k in money lost in a bank collapse
In the US, FDIC insurance covers up to $250,000 for most depositors.
Exposure and repetition through low stakes practice.
When you are out and about, think about what you would do if x happened to y at the moment you’re there. Standing in line behind an older person and suddenly they collapse? Be observant and notice if they seemed stressed, swaying, or uneven on their feet; be ready to slow their fall—place them into the recovery position and point to someone and say “YOU, call [emergency service number]”.
There are many aspects and many levels of preparedness. Decide up front to what extent you will be involved.
So many—almost too many—extensions!