Bitcoin is not created by any government or organization so it cannot be an official thing,its like open source for everyone and its has been used as currency on many places.If you talk about the unstable value then you are at risk but when you are holding it,you never going to see failure in the value. So you are at a better place when you invest this money into another form of investment.
By investing in Bitcoin you put yourself at a certain risk, but this risk is no higher than investing money in a bank with interest. Bitcoin was and will remain under your control, but the money in the bank is not.
Yes, you are right we should be very careful with the banks they will charge for every transaction we do, of course, the bitcoin network is also charging but the transaction will be done through no third party. In banks, only upper-level people are getting more loans and lower level people do not get loans through banks they need to submit a lot of documents for getting loans.