Pay Dirt Photo illustration by Slate. Photo by valiantsin suprunovich/iStock/Getty Images Plus.  Pay Dirt is Slate’s money advice column. Have a question? Send it to Kristin and Ilyce here . (It’s anonymous!) Dear Pay Dirt, I’m usually not much of a worrier, but given how this country is unable and/or unwilling to put guardrails around A.I. development, I believe it’s only a matter of time before a major financial institution loses control of their assets via hackers (including ones sponsored by rogue states). How do I protect my retirement savings? I already have my funds split up between six different institutions. Should I split it up further? Give up higher interest to lean more into government bonds? My granny kept her savings in old coffee cans. Was she onto something? (Kidding, I think!) —Is It Time to Bury My Savings in the Backyard? Dear Is It Time to Bury My Savings in the Backyard, Your grandmother was a visionary, but no—leave the coffee cans in the kitchen.…