Crypto currencies can not be compared with those assets which you listed up there. Those assets are centralised and you can hold them but they are not growing as fast as you think and could take forever to reach the hall mark of crypto currencies market cap. I am sure you are just listing them here because you know about them very well. The savings in banks, FD's and all stuff doesn't give you much return (literally 7-8% annually). Thats very less and an average crypto trader would earn that much in a month by just holding the crypto's. Crypto currencies are required because they are unique in their features, they can change the way we see the assets.