If you want your money to be safe from complete loss, my suggestion is simply this: Diversify.
You don't want to put all your eggs in one basket because that increases your chance that you lose it all at once. Maybe you don't have tons of money, but that doesn't mean you can't compartmentalize it and keep it safe. For example, maybe you keep a week's worth of cash at home in a lock box, and a month's worth in a safe deposit box offsite. You've got another month's worth in the bank earning a little interest for if you have to burn up all the cash for an emergency.
If your home burns down, you lose a week's worth of money, not all of it. If any single point fails, you don't lose the whole farm.
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Don't you know it's gonna be all right?
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