I understand, why the OP has dissatisfaction with the bank system, maybe that's why the bank always rejects crypto and they (the Bank) want to adopt the blockchain in various ways, the bank has a policy for the amount of savings you have, if you want a lot of interest in the bank, choose long-term deposits, but all of these are still at risk because funds cannot be withdrawn at any time.
Cryptocurrency makes it easy for everyone with the transparency of transactions done by everyone, if I hold coins like BTC in the long run, it might be different from the bank because the price of BTC can increase at any time and we can easily pull it if we need it.