For the Indonesian state, people who have bitcoin must have a bank account. This is because in Indonesia it is prohibited to carry out trading transactions with cryptocurrencies. Even so, in Indonesia crypto is legal, legal as an asset, not currency. So if using crypto for trading activities will make us break the law.

Now to own crypto assets, we need to purchase them using a bank account. And since it is not possible to use it for trading, we need to exchange crypto assets to IDR, and need a bank account to make withdrawals

So even though in Indonesia there are still many who don't have a bank account, using crypto cannot be a solution. In fact, there are many digital banks in Indonesia and you can open a bank account using only your smartphone. But maybe people who don't have a bank account because they don't need one and live in the countryside