For me its bitcoin that is more risky because its in digital form and hackers are very active about learning how to hacked accounts and hardware wallets. They are much improved as technology upgrading. But bitcoin is much more profitable ten times than the bank and its decentralized.
everything is risky even though it is a bank or a bitcoin unless you gain knowledge before you invest. everything must be research and identify before doing it because you will be the one who suffer if you just go with the flow without knowing anything on this. so you need to be more smart