Exactly, and i second that. Of course banks do not get hacked as easily as centralized exchanges, they are much more secured, and not only that, the money you keep in the bank is insured, at least up to a certain amount. Thus even if the bank fails, you wouldn't lose everything you have kept with them, as you'd be paid back some, based on the amount that's insured.

Being your own bank comes with certain responsibilities that quite a lot of people are not ready to take, so instead of them being their own bank, they push that responsibility to centralized exchanges.