if you don't like BTC or ETH, you can use a dozen different stablecoins that are readily tradeable. stablecoins are pegged to mainstream fiat, can get it on any major fiat currency. have to stick with ones issued by audited issuers though, or there's no proof they actually have the currency to redeem it and you'd just be a bag holder.

the real issue is that you need to keep it in a private wallet, not on exchanges. private wallets cannot be frozen. exchange accounts can.