Thanks, and I hear you. But the purpose of emergency savings is if, say my wife loses her job we’ll be fine for a while. 

If she loses her job during a down cycle, and our savings go from 6 months to 2 months, that would be very bad. 

Yes, river USD savings account, but I don’t think we can feel good without being in USD, with or without high yield. I’d love to have a different answer, but I haven’t seen one I’m willing to stomach.