currently , due to wider acceptance and being the normal, id go with banks though crypto is much safer with faster transactions and in some cases, anonymity. in the nearest future when cryptocurrency gets wider acceptance, i'd definitely prefer keeping money in crypto than using banks. crypto was built to combat the fraudulent and backward financial system that's why they are kicking against it so much.
I agree on the timeline. I think at the current situation, banks are still much safer given the fact that since it has regulations, even if you become a victim of fraud, you can still have your money back because the bank will have it covered although I'm hopeful that in the future, though not probably very soon, something will come up for cryptocurrencies to give us the similar protection.