Banks are actually not different from a centralized exchange so it's weird that you are now cautious of using a cex but now more confident in storing money in your bank account. It only look like banks are more secure than any other cex it's because you can see them in the real world and most of them are already there even before but they can still be able to freeze your account for some reasons or they themselves can go bankrupt later on.
There are many banks like that, who are being reported though in the past. I hope this will now open your eyes and also to the users that will read this. Full decentralization is always the way to go.
Difference being, banks get bailed out by governments. But on some level you are right banks being same, at least from now on, because of the currect cluster of trainwrecks, CEXes will get tougher regulations coming. And they will be more trigger happy to freeze your account from now on in fear of sanctions of not complying.
I don't exactly know what you mean by full centralization, but that implies no fiat ramp and no backed stable coins. Taking fiat money out of the picture will remove most of the institutional investors and reduce the whole crypto marketcap next to zero. Because if you are unable to
And before you say cash and p2p, google
FATF travel rule to see what's coming.