I think you should limit online access to your savings account. If you have some tens of thousand francs in a savings account for emergencies there is little reason to have online banking.
I personally have a law insurance and it already helped me recoup money from a company who did (bad) work in my house.
I have 2 brokers. Your assets will remain yours if a broker goes broke (!) but it might take years to get them back as everything would be frozen. Thus I think that having 2 brokers is safer. It has a small cost of course.
Two brokers from two different countries
law insurance.
not owning a house or a car
increase security to access online banking. (separate phone ect)
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