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?
Your memory is short if you don't remember that the folks in Cyprus experienced nearly exactly that.
Worse, for when the bank did open a large fraction of their money was taken by the government.