1. Lack of transparency: A legitimate crypto project should have clear information about its team
Oh no, there's no transparency behind Bitcoin's team, we're only know the name of the creator is Satoshi, but it's still not known about it's she, he, them, race, religion, face etc. So yeah, we can call Bitcoin is scam and anyone should sell all their Bitcoin ASAP! /jk.
Bank and fiat is really legit because we know the team behind the central bank, they're not lying for offer 0.1% interest rate because they always pay the 0.1% every year.
If there was no transparency behind bitcoin then the digital technology would have crashed and faded away by now just like every other scam projects over the years, and the SEC on the other side would have being able to get concrete grounds to pin the project down. But guess what mate! Nothing as such has taken place and bitcoin is increasingly getting more acceptance and value by the day.
You rather not be mistaking anonymity of Satoshi to a scam. Every bitcoin enthusiast is comfortable with the anonymity of the developer and the decentralization of the currency. I wonder what kind of transparency those fiat banks do offer you anyway.