what you will chose amomg them.and why do the banks are afraid of bitcoin.why banks are not much smooth and faster like bitcoin.if banks start accepting bitcoin as payments then will it became a revolutionary for us?can bank can solve our mining or money curculation probems.
...for what?

If you want to hold currency for a long time, Bitcoin is probably better, since FIAT is subject to inflation and also can go up or down, just like BTC.
So what do you want to do with that currency? What is your goal? Because the proper answer depend on what you're trying to do.
Yeah I really do agree with what you have said. it really depends on your purpose and to the type of person who will use it. If the person is more on transacting with people far from his country, i suggest he should use bitcoin wallet to avoid high remittance fee but if he is only transacting with people within his country, he should use bank account containing the money in their local currency to avoid the currency exchange risk which will lead to loss of value or increase in value.