Well instead of writing an essay, let me put down my points on PROS of both
Pros of BTC wallet:
1. Anonymous
2. Can be withdrawn anytime
3. Can withdraw small amounts
4. Can withdraw large amounts hassle free
5. Can transfer 5 times in a minute without any hassle
6. Exchanging is hassle free
7. Receiving is very easy
8. Can create several accounts
Pros of Bank wallet:
1. Secure, can prove your money
2. Safe, will not go bankrupt soon.
3. A lot of e-commerce website prefer this
4. A lot of banks allow safe invest
5. No scam and privacy
6. Bank currency is not volatile
Banks can also be used for scamming, just look how criminals call users asking for their credentials or these phishing emails.
When compared both are good, but bitcoin holds the future while banks hold the past, think about that.
Then who's the sole responsible for the case you stated? Is it because of banks? So users don't have a fault? A wise person will never give such any important thing to other person via phone call.