The answer seems pretty simple. Don't invest much more than you're ready to lose. I'm sure that even in the US there's a way for a business to open an arbitrarily large risk-free zero interest i.e. no investment bank account.
Itβs quite simple, really. Startups should buy hundreds of millions in gold, then stash that under 160,000 different mattresses to diversify risk of a systemic bank collapse.
If Bogglehead retirees can figure that out, why not startups?