You yourself say you keep it in a Chase bank account, you sure as hell wouldn't put your life savings in a newly created bank and trust everything to them would you?
Look at what you put your money into, has it had any audits done (this applies to both tax / financial audits for brick and morter stores, and code audits to smart contracts).
I will never ever invest my money with HSBC, they have shown time and time again to willfully break the law and soley gain monetarily from it, the governments or financial institutions don't do anything about it. Just like I will never ever invest my money into USDT, I think it's a massive scam and don't touch it in the slightest, doesn't stop millions of others investing though.
It's a dark comedy sketch that has an answer to your question.