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Orthdoc this is far from pathetic. I am so glad you've decided to be proactive - particularly about future deposits in the stb-not-shared account.
If you think you may need to find a shelter look into it now. You may not need it, which'd be great, but wouldn't it be very reassuring to have that information up your sleeve, just in case? I am sure that just knowing you have a plan to fall back on will give you a new firmness in your dealings with stbex which you will find very helpful in the circumstances.
And know that you have a Cellar-ful of friends cheering you on, here!
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Living it up on the edge ... of civilisation, within the southwest coast of 
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