Finding pockets of self sufficiency, or at least ways to prevent falling down to the bottom.
Universal basic income helps this by making sure everyone has at least enough to live on.
Homesteading and community gardens help this by making sure you at least have some basic amount of food available to you.
Building walkable cities helps.this by allowing you to avoid or reduce the expenses of a car.
Building resilient cities that leverage adaptive reuse help this by making it cheaper to start new small community businesses that keep money local.
The solutions aren’t in the system of money we choose, it’s in building small sustainable ways to provide for basic needs, even in a small way.
If you’re memorizing your password, don’t change it too often because it’ll just confuse you and encourage you to pick easy to remember passwords which are less secure. Change your password if you hear about a hack, or have reason to suspect your password got leaked. Otherwise there’s no need.
If you have a password manager though, go off. Change it as often as you’d like.
(Also 2FA, unique passwords per site, etc etc etc)