The simple fact Bitcoin cannot be frozen the way fiat money often is makes BTC/Crypto a great choice in many situations. Bitcoin is one of the few truly great things to happen this century!
This is true, but it's only effective if the holder is making use of a self-custodial wallet and isn't leaving their bitcoin holdings in a custodial service, as there will be no difference between that and those who hold fiat on their regular bank account.
If you want total control, using a personal private wallet is the real deal. That way, you won't have to worry about waking up to see restrictions messages from whatever service you make use of; rather, you can decide when to spend and when not to spend your holdings at your own comfort.