You have some options:
Option 1:
Revert to your previous solution of having two separate individual accounts. You only need a Premium subscription to initially set up (or make configuration changes to) the Emergency Access. Thus, it would be a one-time fee of $10 to set up Emergency Access for the second account, not a recurring annual subscription fee (assuming that you go ahead and cancel your Premium subscription after you have set up the Emergency Access to your liking).
Option 2:
If even a one-time $10 expense is too much, you could consider having Emergency Access only for the first account, and then storing the login credentials (username and master password, as well as the 2FA authentication key or two-step login recovery code) for accessing the second account within the vault of the first account. That would allow anybody who takes over your first account to also gain access to yoru second account.
Option 3:
Keep a single account with all credentials, but create two folders: “Financial”, and “Non-Financial”. When you first open the password manager, all credentials will be shown. If you click the “Non-Financial” folder in the Filter section, all of the financial account credentials will be hidden.
Option 4:
Keep a single individual account, and create an organization. Set up a collection called “Financial” within your organization, and transfer all financial account credentials into this collection. Edit the permissions for the “Financial” collection to remove all view access from your individual account. Now, the financial account credentials will be hidden from view when you first open your password manager. However, if you ever do wish to access any financial account credentials, you would have to do so from the Admin Console in the Web Vault.
Option 5:
This will be identical to Option 4, except that you now will have two individual accounts, one of which can be free (just like before). Instead of storing the financial account credentials in the individual vault of the second account (as you did originally), keep the financial account credentials in the “Financial” collection as explained in Option 4. Set up the collection permissions so that your first individual account does not have any view access to the “Financial” collection, but your second individual account does have view access to the “Financial” collection. This second individual account will not need Emergency Access, since someone who takes over the first account suing Emergency Access will also be able to access the organization vault data through the Admin Console.
Let me know if you have a preference for one of the options above, and whether you need additional instructions for implementing your preferred option.