Bitcoin is designed to be owned by us and make us our own bank without any third party interference. If you use the holding service, it is no different than you depositing your money in the bank. In addition to sending bitcoin to holding services will make it impossible for you to sell or use your bitcoin while your bitcoin deposit period has not ended, better hold your bitcoin and you can use them whenever you want.
in this case op as a bank that collects money from various investors. this will indeed be very risky, and it is true what you said if bitcoin was designed for us to have our own bank, so that freedom of transaction is the main goal, if your assets are held by other parties and cannot be transacted at any time of course this seems the same as staking, it's just that I see it's more risky. I'm afraid that marketing language only gives hope to anesthetize us and in the end we realize with disappointment