I can boldly say that Bitcoin Banking is more reliable and fast because Bitcoin transactions is been done through wallet, the only problem that may occur is if the wallet is not correct another challenge is if the transaction is been encountered with down network but this is in rare cases.
The emergence of Bitcoin is to solve the problem of trust and security. For 14 years so far, Bitcoin has always been safe. If there is a problem, it is the loss of some mnemonics and keys on the wallet. While cryptocurrencies have been dismissed as scams or economic bubbles, there are human causes that go wrong. It has nothing to do with blockchain technology.
Trustlessness is one attribute of bitcoin that has not been defeated. Bitcoin is still solving the problem of trust. It is not easy to trust a third party you don't know, probably a government or any her institutions.
These people are mean and could frozen your money at anytime, or in less severe cases denial you withdraw when you need it most.
In terms of reliability, I vouch for bitcoin as being reliable and honest with the people. As you rightly said, errors that lead to lose of funds are not necessarily blockchain imposed but human errors.
When bitcoin nearly was birthed, the human errors and lost of fund was at the higher side, but as we grow with the technology, everything is falling in place and losses are drastically reduced.