I would say you ideally have enough for about a month expenses in cash. Then maybe have 2 more months expense in two different bank accounts(1 in each account). That way any one bank blocking an account for a flagged transaction is just a minor inconvenience. Same thing with credit cards, have 2 different ones so 1 getting blocked is just a minor inconvenience. Anything beyond that I would probably put in a tax advantaged investing account like a roth ira invested in mutual funds.

I wouldn’t be opposed to holding some portion of long term investments in a well established blockchain like bitcoin or monero but I would hardly call it a necessity for most people. They are effectively out of the reach of governments if they are setup and used correctly. But I wouldn’t expect most people to have the know how and motivation to set them up and use them that way. Government can’t tell bitcoin to freeze your account. They can tell that to your bank.