All of what you said is true, however we must recognize that not everyone is ready to be their own bank, in fact that is the very reason why banks exist at all, people were not ready to take care of their gold and to protect it, and as such at the beginning banks were created with the idea of helping people to protect their savings, but since then the idea of banks has been completely distorted and now they manage the money that you deposit with them as it was their own money to the point they can even steal your money legally, and with this in mind it is not surprising that people like us have done our best effort to try to look for alternatives.
My dad still puts his money into saving accounts when he has any, that should tell you what it means to have some people using banks.
I have been in crypto but there are a lot of things that you could with your money between investing into a savings account with a very low interest rate that will lose your moneys value, and bitcoin, and he doesn't do any of them neither, he just puts it in a bank. That’s why I believe that we should be focusing on something that would be more profitable, and banks will not give you that. Look at what banks do with your money, that will surely be more profitable for you in the long run as well and that’s how you should use it.