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You're conflating reduction of risk (system-wide) and offloading of risk.

In your bank example, the bank likely took the financial hit. With bitcoin as an underlying tech, there's some reduction of risk (with a whole bunch of asterisks).

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Why would I care if the banks took a hit? If fraud was hurting their margins significantly we would see the government step in. The banks would also do more to prevent it. The US just switched over to chip cards.

Because you're paying for it with your money. They can afford to take a hit (and can afford the insurance for such losses) because of the fees they charge you directly, and the money they make utilizing your principle for other purposes while it's there.

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