Some countries in African BTC investment is risky cause it is not yet launched while banks are launched and they are well know for investing and saving.While in EUROPE BTC is accepted by the government for trade so making it not risky.
Given the risk, banks may collapse if investors withdraw their capital and banks fail to liquidate the banking system. Bitcoin does not have investors, and no one wants to own it, so Bitcoin has fallen. Everything can collapse, and this is all up to the investor.