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That really is awful, and I'm sorry that happened to you.

I also moved to hoard a few types of liquid assets, and also have accounts with three banks (and multiple cards) to reduce the risk of a single-bank causing this level of impact to me.

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Of course, trying to work around regulation like that, is probably against some other regulation.

Not really, but the government may freeze all accounts of a person in all banks in the world.

I was thinking of something like https://en.wikipedia.org/wiki/Structuring

I see, but what I know is that it's allowed to use multiple banks for the purpose of increasing the amount of money under FDIC insurance (which is more like $100k/bank, not $10k/bank).

There are services that split your money between multiple banks just for this reason.

FDIC deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category.

https://www.fdic.gov/deposit/covered/categories.html

In the U.S. yes, I'm from the EU though where there's a similar insurance (EDIS) which has a 100k EUR limit.

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