I do know one thing for certain and that is, that money won't wind up in the bank. One, I'm basically debt free personally and two, with the current deal with banks and digital currency. I'm very inclined to buy more precious metals and or invest in collectable firearms.
Besides, under current regulations imposed by the government (that I don't agree with), any deposit to any account in any bank (commercial, savings and loan or credit union) over 10 grand has to be reported to the Fed and the Fed already knows too much about my personal business (and yours) as it is.
I always try my best to 'fly under the radar' if possible.