Getting financials in order

I’m curious how folks manage their money (and access to it.) I have my checking and savings spread out across a few FDIC-insured banks, including a credit union, an online HYSA and one of the major chains. I normally pay for everything on credit cards to earn rewards, but have been thinking it would be good to stash some cash in case major financial systems go down and I still need to pay for gas and groceries. Since this is real world prepping, I’m just going to assume all my money isn’t going to disappear forever… but what’s a reasonable way to mitigate damages if things get bumpy?