Banks are the ones that will give you consumer protection but bitcoin will not. Everything that will happen to your bitcoin is your own responsiblity and no one controls it so let me remind you again that it is decentralized at the first place.
Yes I agree with your opinion. Bitcoin is our own responsibility. The Bank will only provide protection to consumers rather than on bitcoin.
Let say if government already legalize bitcoin, it means that they have protect bitcoin usage but the other disadvantage is bitcoin is not consider as decentralized currency anymore as they also apply tax on them.
In other side ,it's prevent scam attempt as we know bitcoin = criminal money