I agree that bitcoin is indeed risky. One of the challenges that an investor might face once they'll gonna invest in bitcoin is that when it is volatile. As an investor you're just only speculating. Since this is volatile, we could not tell when the price goes up, when to invest to gain, aside from that since this is decentralized people are the one who only control it. They can do whatever they do as long as this will not against the rules of bitcoin. Unlike in bank, this is centralized which means this is governed by government. They have what so called proper of stable price or value in our own currency, this is fair for anyone, no need to use internet since this is just only a fiat money, no one could easily fool you since you know already how banks works.