The only real solution (that many people here in HN hate?) is crypto. USDT/USDC on Eth or Solana and rails to the old systems are much better now. If you are really paranoid (USDT/USDC have a blacklist functionality), then hold Bitcoin and open a derivative short essentially creating a synthetic USD.
Bitcoin doesn't have a blacklist functionality and you can use lightning for full anonymity.
> then hold Bitcoin and open a derivative short essentially creating a synthetic USD
Huh that's a pretty interesting idea. I guess the downside is you need enough margin to cover the short.
Theoretically, you are fully covered but full margin will require all your holdings to be on the exchange. So maybe do something like 20-25% margin and constantly follow the market to re-balance. It is not a carefree approach.