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!
Bitcoin is Bitcoin, can not be frozen in your wallet by any third party if only you have the private keys.
Crypto is too much, because it includes altcoins that are possible frozen by third party entities. For example.
PSA: Most Stablecoins Can Be Frozen, Even in Your Own WalletsThis 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.
It's your private keys, it's your coins!
Your warning is correct! People must use self-custodial (non-custodial) wallet to have private keys and to own bitcoins by themselves. Expand it more, it should be open sourced wallets too.
Reminder: do not keep your money in online accounts