dont watch the txid.
dont watch a bank note serial number.

you pretend all you can do is look at a number for bitcoin. but thats just as naively as me saying all i can do is look at a bank note serial number.

if you think bitcoin is just a number as you would have to then think a bank note is just a number. you would realise there is more to it in both cases than a number

if all you can see is a txid or a bank note serial number, then you are looking at the wrong thing. so stop looking at it. take your eyes off of it and realise the other things you can do with bitcoin and bank notes.

by the way. banks are not liable to you for $10
if you lose a bank note, a bank wont compensate you

if $10 bank note can buy you 4 loaves of bread, but banks push inflation to only be 2 loaves of bread at retail for $10. the bank will not give you 4 loaves when you surrender $10 to the bank.
the most they will do is give you a crisp $10 in replacement for the rank, sticky, dirty old $10.
they wont even give you 2 compensatory loaves if you show them a retail receipt of 2 loaves for $10

what you are buying is not the txid or the serial number. what you are buying is a unit of measure that can be used to buy/spend/keep/invest.

with a bank note i guarantee you in 20 years time you can buy LESS bread with it. and no bank will compensate you for the missing bread
with bitcoin i guarantee you in 20 years time you can buy MORE bread with it.

as for liability.
with bank notes. the moment you receive $10 income. your suppose to declare 20%($2) of it as tax. meaning your at an instant 20% loss of value

with bank notes. when you receive $10 as a loan. your suppose to pay back $11 in 2 years (5% interest).

you are never going to get 4 loaf value with a bank note. the banks do not owe you anything.