I do not think this is the main discussion related to cryptos. The big difference is the civil liability of organizations that maintains their assets. There are several regulations regarding how and what banks can do with the refusals that others place on their accounts. Regarding the exchanges, their responsibilities are almost non-existent. What could and should occur would be more security and audit solutions specific to exchanges. But the main thing is that if well guarded, you will hardly lose your cryptocurrencies.