@OP I think that your problem recently experience is just the issue on the banks that's why you have problem regarding with your funds, for me it is better to use banks and cryptocurrency because in banks you will know that your funds in fiat currency are safe and in cryptocurrency the same with the fiat but the difference is it is a digital currency which is you can earn more profit with the market volatility many people today are already adopting the use of the bitcoin because they know the potential of this coin to make more income. Also, there is a virus spreading rapidly which is can be attached to the physical money so it is better if we kindly adopt the use of the crypto for nowadays.