Please add a savings like account to the wallet to protect against accidental payouts to like kill rights and pricing scams. If you want to go more create a interest bearing account, but the an account to make it easier to shuffle your main ISK to without paying to an alt (another source of error) would be nice.
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In case you (can) operate under your own personal corp then you can use corp wallet divisions for this which eliminates the need to switch to an alt or use a third-party solution. 
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Scams are on you if you fall for them or not. I’ve never heard of any MMO with an interest bearing account for in game currency.
At the end of the day fiscal responsibility is entirely on you. Double check everything before agreeing, just like real life stuff.
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Being the CEO of a corporation helps a lot. The corp has divisions and I think 7 wallets. Since starting my private corp, I can keep extra ISK in the corp and zero out all 3 of my characters wallets.
I know you can also set up one of the corp wallets to just pay the bills automatically. You can grant access to any corp member to one of the wallets. I suppose if you trust your CEO, you could store funds into a wallet there.
The more I think about it, I am happy I started the dummy corp for managing my funds.
Have fun!
If you aren’t smart enough to not fall for scams, put your money on an alt. Problem solved…