I still want my money invested into the economy. I just want Chase/Fidelity/etc to have an understanding that I am never going to withdraw money from these accounts without planning for it. So, “I” should never be authorized to drain the account at a moments notice without extensive approval. Anything to cause friction for would be scammers and only once-a-year (?) pain from me to triply confirm the money can move.

I don't have direct access to my long-term savings and retirement accounts— I have to go through my financial manager who'll works in a small, local firm, and so would anyone trying to impersonate me. He would probably recognize my voice, knows where I live and what's going on in my life, to whom I'm married, etc. because we have bi-annual check in meetings. He'd definitely contact me through his existing contact info if there was anything weird going on with one of my requests, especially if it involved a different address or account than he's used to dealing with. As anyone in that compliance-and-accuracy-focused line of work should be, he's very intent on making sure all of the Ts are crossed and Is are dotted. He charges a flat percentage of my modest retirement savings annually (I'm far behind most white collar workers my age, coming from a working class early adulthood) so he has a financial interest in my investments, and does a really solid job managing them. The accounts are in a large investment-focused bank which I believe only he can access. I think it's about as safe as you could get while still keeping your money active in the economy and not having a rich person's resources.