A profit is a profit. The lower the risk - the lower the reward. Everyone resides for themselves on how much they want to risk their money.
Yes, both of them as long as they're profit, that's the best thing that you'll ever have. So, it doesn't matter what profit you're getting if it's from the altcoins, bitcoin or from the banks. As long as you're consolidating these things and you're in profit, that's what is the important thing. Because we're here to invest and not to just lose the money we have earned. But to grow and make profit from it, there are people that are risk takers and invests in altcoins and there are the conservative that invests or deposits only to the banks.
Yeah, the intention is to make money basically you are seeking for good ways to grow your investment and like what you just mentioned, it's depends from how a person take the risk, for hardcore risk takers they find altcoin investment as best place to make money knowing that there's huge amount of potential benefits once they make the right asset to invest, while for conservative and a secure type of investment, aside from possible closure of the bank they are okay with small profits as long as there's progress and the level of risk is slim.
Bank investors have more certainty because there capital is completely safe but they give 8-10% annual profits to the investors of per year. But it is comparatively less in terms of profits.
On the other hand you will get constant profits from crypto as if you are experienced in trading then daily profits is possible. Otherwise you can get profits by investing. However crypto investment puts your capital at greater risk (main point).
Despite the risks in cryptocurrency investing, I think it is currently less risky than keeping money in the bank. At present, in almost all countries of the world, many risky people who keep money in banks are now withdrawing money from banks and using it for other purposes. Especially those who are well experienced about cryptocurrencies are taking money from banks and investing in cryptocurrencies. Just don't have to have experience in trading if you hold good top cryptocurrency then you can get good success which is hundred times more profit than bank.
Truly it is people who are unknowledgeable in crypto would leave their funds in the banks because they didn't know the huge profit that can be earned from crypto investment, infact investing in Bitcoin or Ethereum is far less risky than any bank, the downside is only if there is a massive dump in the price of the invested crypto yet if the investor kept on hodling their coins there is certainly and tendency of the crypto to regain it price and pump bullish thus profit is guaranteed as well as the invested fund, the only risk involved is on how each individual and hodlers secure their wallet and above all I think saving ones hard earned money in a bank is like losing opportunity of earning decent income via crypto investment.
Yes, those who can't take the risk and unable to provide decent time to research will not entertain crypto investment, while for investors who can take the big risk, it's possible for them to take closer look and start investing their money.