Bitcoin can barely go a week without experiencing a major hack. Remember the last time your bank was robbed and they shut down for a week and you weren't able to get any of your cash? Oh? Well, neither can I!
How's 'being your own bank' working out?
Sort of. In 2008 some banks went bankrupt and people could not withdraw their money. I remember a couple who had a million in a bankrupt bank and would not leave the premises until the bank let them withdraw it. The bank refused and called the police to get rid of them.