Cash will become valueless in case the government falls apart so I don't recommend keeping 30K or even 5K for that cause, if possible I would just go with the gold and with 40K you can buy around 15 ounces of gold which doesn't necessarily need a bank valut, you can just keep it as bar or even jwellery for that matter so it would stay with you itself all the time.
In my country it's possible to buy Bitcoin via bank without reporting to banks as crypto purchase via P2P so I would prefer buying BTC so if it's possible for you to do the same then look at Paxful or Bisq for offers and buy in small quantities instead of whole amount.
I think Banks are at risk but uneducated persons have no option of banks because they don't know what cryptocurrency is ? And they don't know how will get profit from this and they also don't know how to be rich by this currency ? But most of the people don't do KYC on exchanges and they don't know how to trade the tokens . That is knowledge and they have to learn all these things because these are very bad things from uneducated people. Banks can do scam at any time and our money is on the risk and there is possibility that ,the employee of bank could do scam . So everyone should accept change of the time because that could be after 10 years.If anyone will accept that ,he will be successful in the future and the person who did not accept that he will remain poor .
