I don't go all in on Bitcoin, same as you. Because as said, I need some amount of fiat to use, and to manage risk. Investment in bitcoin should be made with free money that we don't have plans to use in near future. Beyond bitcoin, another fund in fiat for emergencies.
Yeah, that's how I'm spreading my risk. 2 banks in my home country, and one in my resident country, across 3 currencies (my home, euro and dollars). I could still be f*cked but I'm more confident of a free bank insurance scheme than anything else right now. And then of course I have my Bitcoin, which I have the least confidence in (during my lifetime).
As I said, it'd be very different if I were alone in this life but well, we have to live in reality, and we can't gamble with the lives of others...