Since Bitcoin essentially allows to "become its own bank", the responsibility for storing cryptocurrency lies mainly with users. A popular saying in the crypto community is "not your key, not your bitcoin", which means that whoever masters the key phrase of the wallet can control the coins in it.
There are many projects all over the world that aim to propose a new central bank digital currency or CBDC. One of the most popular activities is China's efforts to create a "digital yuan", a digital version of its legal tender. The digital renminbi has just been launched and will surely arouse people's interest in the coming months.