It's not your money in a bank. The bank barely has $1 or two for every $100 you put in. There's plenty of people who have philosophic disagreement with fractional reserve and some who couldn't care less about ethical matters and just there preparing for the worst as good evolutionary diversity dictates they should.
It's easy to sit in a country that hasn't ever suffered these things and think it's all silly, but there's plenty of people who don't have those luxuries. How do you think someone in Cyprus, Zimbabwe or Venezuela would feel about your statement saying to trust the banks? Venezuela was one of the richest countries in the world for a very long time. They still have enormous amounts of mineral wealth and yet people are buying their groceries with wheelbarrows full of money.
I doubt crypto is the solution to these problems that are fundamentally burnt into modern economies now but make no mistake crypto was born out of these problems by a lone developer who virtually everyone ignored. It's easy to criticise until you've walked in those boots for a year suffering at the hands of central banksters.