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.
There seems to be some language confusion from what the OP was trying to convey and maybe not being a native English speaker, I'm trying to summarize three points?
1. Bitcoin is very fast in terms of transactions
2. A wallet is not a safe place to store assets
3. Convert bitcoin to fiat currency using a bank.
If not I'm having the same confusion in summarizing some of the points the OP was trying to make, because until recently I had never heard of what Bitcoin Banking was like.