Your missing the point butter, average joes have their bank accounts insured by the federal government. GOOD FUCKING LUCK getting back your stolen crypto.
So your are judging cryptocurrency solely based on the possibility of it getting stolen or hacked. Which is more likely to happen only when you outsource your assets on an exchange?
Responsibility is one that comes with decentralization. Complete control over your assets with no interference from governments or agencies.
If you feel safer with banks, you are under no obligation to change.