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Banking collapse since September 2019 (REPO bailouts)
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Banking system has been crashing since September 2019. It could be accelerating lately. Crypto is not a sure bet, but diversifying some money outside of the system would be very advantageous. The future of privacy coins is uncertain but if crypto is deemed illegal then privacy coins will be the only ones to survive in a financial collapse.

Whether a deflationary credit freeze or a hyperinflation scenario, crypto wins, and perhaps privacy coins as well.

Wells Fargo bank has had their first quarterly loss since 2008. That could be a warning sign.
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