No government institution should be allowed to operate without at least two year’s budget in, for lack of a better word, escrow. I’d normally mean savings, but like most of us, we dip into savings whenever because of whatever. An outside third-party (Switzerland) needs to hold onto our cash.
Then, when we really need it, we’ll have it. Trust me, we don’t want “real” people operating without a safety net, so why do we let our government?