I agree with this even though I've had 5 figures of $ at PayPal for over 6 months, I don't feel it's wise to go higher to next level
There's a proliferation of neo-banks, but I think another approach is to sell cryptos and keep the fiat at Coinbase/Kraken/Gemini and only transfer to traditional banks as needed
I've been leaning towards doing the same with Interactive Brokers tbh.