This is the regrets that every late bitcoin investors always have. It is not too late to invest into bitcoin and still make profit from it. Banks are only there to use your savings for their own personal business to generate incomes for themselves and at the end they give you peanuts as interest for using your money,without your concept.

Bitcoin investment is resistance to inflation,unlike fiat currency and the government wouldn't want to accept this fact because it wasn't their creation. So many people have regretted keeping huge amount of money in banks for a long period of time because inflation has devalued their savings. You shouldn't see bitcoin as a get rich quick project,but see it as a store of value to secure your funds. So that you don't get worried about the fluctuations in it's price.

As a newbie, you shouldn't rush into trading to avoid loss,you should learn about it,have the knowledge and your own trading strategy before you go into trading. For a start only trade with the money that you can afford to lose,to have the experience.