C'mon man, some of them are worse than banks. There is no pump and dump, flash crash, stupid listing fees, etc., in traditional banks. We could argue that the regulated one is somewhat safer. However, KYC makes it uncomfortable since you have to give up a passport, selfie, etc., well, it is then become similar to banks as well with a lesser reputation for data breach.

About listing fees, as others said, it is because of too many shitcoins competing to get listed for the pump. It's difficult for a small community coin to grow if there is no "purge" event.