i definitely feel this!! i’m going on my 6th year so you’ve had a lot longer experience than me but i for sure agree its the people that make the place more often than not. but i’ve also found that weather and logistics and nature access have a huge impact on me too.
i’ve also thought that about my brain basically being rewired to not settle. thanks for sharing your experiences
i’ve been using charles schwab for ATMs for years. my card was skimmed twice overseas (not schwabs fault) but the scammers weren’t able to take any of my funds. i’ve always felt safe with my account!