I don't know about whichever country you might happen to live in, but in the UK, there's something called the FSCS.  Financial Services Compensation Scheme.  It means an agency set up by the government "protect" your wealth up to a certain threshold if your bank manages to go bankrupt.  If your money were truly guaranteed by the debt which banks create when they lend, as you keep claiming, this service would not need to exist.  The reason it needs to exist is because the money in your bank account is not guaranteed by anything.  When banks fail, account holders are considered unsecured creditors.  And if you have an amount of money in the bank above the threshold set by the FSCS when your bank fails, anything above that threshold is forfeit completely.  Why do you think people invest in things like property or works of art?  Smart people don't leave vast fortunes in the bank where they could be lost.  They buy expensive shit and then take out insurance on said expensive shit to cover its full value. 

Banks can become insolvent.  You can lose money beyond any figure your government are prepared to protect.  Conversely, Bitcoin cannot become insolvent.  This is the advantage of not being a debt-based system.  In turn, this derives a small part of Bitcoin's value proposition.  But no doubt you'll engage in yet more mental gymnastics to try and avoid conceding that point.