FTX with Paypal....I mean I can't even use paypal anymore, clearly, or get my money out of it not at least for many months.
If someone had put tiny amount of money into crypto and they gained that's fine, but seeing that you can't even touch own small money like $100, and no one to contact, give you explanation and this is legal with no recourse.... makes me wonder about anything electronic at this point.
By the way I'm glad Transferwise works wtih Americans, seems like this is rare (bet most of these banks you listed do not).
I'd be concerned about keeping unrealized gain frankly, given how easy it is to ban someone.
I guess I'm feeling full mistrust of financial institutions. It's great to have gains locked in crypto but I have a feeling they can pull the plug globally any moment.
TransferWise seems a little too good to be true. You are probably familiar with those odd money changers that Russians, Ukranians use in particular. The type of ones that tend to just disappear after a few years. TransferWise has juiced up that model, gone mainstream and legitimate and with very low fees. It's mainly used for remittances and sending money to non-kosher places like Russia. But it has a lot of money behind it, including Virgin Branson. It's also used a lot by offshore companies, which have moved from traditional banks to these electronic money institutions (EMIs). The support is also very good. You get knowledgeable replies within a day; not the dogsbodies of PayPal.
There is another similar one called Payoneer. Though Payoneer is more basic and higher fees.
I have been surprised how low their KYC bars and how little questions they ask.
With Payoneer I have a Caribbean company, with high-risk EE address and five-eyes passport. They didn't ask for any original documents, have not queried any incoming sums or mentioned anything about 100 or so crypto purchases by card. They are also one of the few places that will send debits cards to pretty much any country.
My main lesson from nearly loosing my life savings is have many accounts and keep money all over the place. But I think my main goal is like you, a rural property in EE that I can survive on even if they take everything else from me.