we are lucky here in my country that we have light treatment from the government about crypto so we can just use and accumulate without any problem as long as we are using KYC for our exchange wallets.
The thing is that you can use and accumulate your cryptocurrency without permission of any government, nobody can force you to do dubious practices of obsolete banks. As long as you consider banking money better than cryptocurrency they can control and restrain you from using permissionless! systems. Correspondingly, in order to not be controlled you just need to reconsider your view regarding truly sound money, and think why you don't want spend your own money today without additional surveillance from third parties. They always ask you for proves about you not being a criminal, doesn't that sound ridiculous?