Never use UPI to receive payments in your most important bank accounts.
Govt of India has come up with policies to freeze your whole accounts for months & years, if any random fellow puts even Rs.200 that he got from some scammer.
Cyber police won't allow bank to unfreeze ur account for years as they never do their work.
Cyber helplines and emails won't work.
A disastrous incident happened at Junagadh on the "first of the dark half of Margashirsha", December 5-6 150 AD.
Water churned by a big storm "tore down hill-tops, trees, banks, turrets" and "everything scattered & broke to pieces."
The rains led to flooding of nearby Suvarnasikata, Palasini rivers and broke the dam on "mount Urjayat".
It led to a breach 214 meters long on the Sudarshan lake, resulting in all the water escaping from the lake & flooding the nearby region.
The lake, constructed on the orders of Chandragupta Maurya, 450 years before, was again reconstructed by Suvishaka, a minister of Rudradaman-I.
The above information we get from the Junagadh inscription of Rudradaman-I (150 AD).
This is probably one of the first times, we know about a natural calamity in India through epigraphic records.