You can have multiple accounts, yes; but you can also diversify via friends and family.

As a good friend, if I know that you are good for the money, I'd happily spot you even a few tens of thousands for a few days or weeks. (I'm actually more reluctant to do that with some family members, because I might be less likely to get the money back.)

Yep, another reminder that community is what makes you resilient. Not to say you shouldn’t personally prepare, but building up your community is preparation. It’s not only about stockpiling for yourself.