Both of them has different levels of risks involved, However, Bitcoins Risk is higher as compared to Bitcoins. The crypto market is generally volatile and very unpredictable and the fact that its not governed makes it even worse as value can be lost so rapidly and there is nothing that can be done about it. Governments manage their risk levels, The levels of reward however is different too, Bitcoins tend to reward more than what the Banks have to offer in terms of interest