Be your own bank and never trust those centralized banks because someday they might use it against you. A simple hardware wallet is your best bank that you can access anytime you like without the hassle of going straight to the bank. A paper will keep your private key safe to access the wallet that you needed in times of emergency.
That is why i've lost interest saving and keeping my money in the banks. From the time I've met cryptocurrency, I pulled out my money and transfer it into my wallet instead. There are some adjustments but i am used to it now. Anyway, I am happy with my decisions now. I can think of it as a secured way to keep my money.