I had an SDB for a couple of months and some of the related incidents were rather surreal. I was finally persuaded against it.

I had been stashing cash and coins in there, and some USB sticks and some ID, as a backup or hedge, if something catastrophic happened to my home, or there was an extended power outage, or comms lines were down for some reason: civil unrest, natural disaster.

But I queried one of the bank managers about their backup systems and power. And he said "oh, if the power went out or something, we would obviously close down." and nobody from the public would be getting into that branch, come hell or high water. It was perfectly logical to expect that, but I had somehow thought they would be a fortress of solitude that could withstand any tempest outside.

So that's why I closed out the box, and basically my best backup plan is readiness at-home, and knowing somewhere to flee to, and/or shelter in place, if something goes wrong here.