Bitcoin till forever mate , never that I will choose banks over crypto specially as you mentioned there will be monthly interest ,have used banks for many years before learning Bitcoin
I also used banks for several years and even until today. They have interest in offers for their services but you're earn measly from there.
I stopped engaging with banks not even use credit cards now as I am completely using either my monthly wages or my crypto holding .
but it is for Bitcoin alone and no altcoins or bs meme coin or shitcoins.
That's a good strategy if you're not investing anymore to altcoins, meme coins or any shit coins. You're giving yourself a favor by doing that because you know that Bitcoin is coming to halving within the next months and then the price will shoot up after wards. As an investor, if the opportunity is on both ends, I'd do it honestly.