While I was with a feeling of disappointed I recalled I have been stacking a few unit's of bitcoin in my wallet and have never experienced this crazy shit neither have I heard any bitcoiner make such a lousy complain about bitcoin whatever the amount of bitcoin transfered into their wallet. I don't think there's anyway the fiat system can be compared to bitcoin, the more experiences I encounter the more I see how advanced and greater purposes bitcoin serves.
Bitcoin unique feature is that it is decentralized unlike fiat that are centralized, meaning that a person that hodl it in a none custodial wallet is the sole custodian of their Bitcoin in the Blockchain. So in that regard you are your own bank and you have the total control over your Bitcoin and when you want to do p2p transactions with another none custodial wallet, there will be no third party interferences. But you have to remember that as you are your own bank, you also bears the sole responsibilities of securing your Bitcoin from lose and theft, without your private keys in your possession that automatically means that you don't own your Bitcoin.
I believe that it is safe to keep money in the bank, the difference between the banks and Bitcoin is that the latter is decentralized while the former centralized, if you save your money in the custody of a bank, they will give you their terms and conditions on deposits and withdrawals. If their customers meets these demands, then there won't be any problems.