For internal gnail in Greece, how much extra cash for emergency surgeries/compl?

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If I'm a USA citizen, is it best to have that cash loaded up on the transferwise balance to be able to use it quickly? Are there better options to have money ready?

Kinda prefer that money sitting somewhere making interest but I wonder if it would be better in the transferwise balance to make it faster to deploy in an emergency/complication

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Whats wrong in storing money in US bank with increased withdrawal limits. Then toping up TW to do an exchange. Revolut is popular in EU too.

There is no risk free assets atm, bonds give you negative real returns. Maybe look into tips, GLD etfs or stablecoins