Unsure. I own a small business that does a lot of crypto payments but there isn't much I can do for our fiat holdings. Our biggest operational costs I pay in crypto each month but still have to keep money in the bank and transfer funds from PayPal and Stripe on a regular basis.

I still claim and account for all crypto stuff to keep Uncle Sam happy and to keep things legal, but the $600 bank thing is so comically dumb that you'd think they forgot a couple of zeroes.