I think, banks is better, more safety, but government can check your counts
And do taxes forcefully aswell, but that's not wrong though, as a good citizen we should always do what we are required to do including paying taxes but there's some people that wants privacy and saying that it's a really important thing, cant blame them for that.
But to be honest, crypto really helping me as a mean of sending payment online, using credit card or some kind always left me worries about the data safety.