Maybe a bit niche, but if you’re in the Scala ecosystem and seen what happened with Akka -> Apache Pekko. Version one of Pekko was a 1-1 rename of Akka

I’ve been using gocryptfs now for a few years and it works fine as you describe.

You initiate the encrypted folder, set up automatic backups for it. Then whenever you want to access it you mount it into another folder.

There is a distinction here between the permanently encrypted folder that you can upload backup whatever, and your temporary mount, unencrypted folder.

If you’re alright with the rare conflicts to fix yourself something like syncthing works well for this setup even across computers.

Cryptocurrencies are not like stocks, stock is partial ownership of an enterprise which has the ultimate goal of generating more revenue, stocks are not a trading currency.

There are solutions to it. For example in Scala I’ve had to use Class tags a couple of times before and they were ergonomic and functioned well