I try to reduce the potential impact of any one service becoming compromised or unavailable. I have credit cards from 5+ different banks, none of which overlap with my 3 checking accounts. Savings and retirement are at yet more. This doesn't mitigate all risk or inconvenience, but it means it's not a total crisis if one provider decides to block my account on a whim.

It's a bit harder to decentralize email. It's not really practical to use many personal email addresses in my daily life. I do have functional separation (one for communications with friends and family, one for accounts/mailing lists/everything else). My domain registrar, DNS host, and email provider are three different companies in two different countries. So I've spread out the risk factors a bit.

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