This OP is a bit confusing the way you’ve worded it but if you’re asking if money in your bank acocunt is “safe”, the it would depend on a number of factors. Let’s take the United States. FDC insured bank accounts (most banks, especially most well known banks are FDIC insured) are insured up “$100,000”.  For a while in the US, the dollar was backed by gold, that ended somewhere in like the 1970s yet many citizens still believe it to be the case.

As with FDIC isurance, this classic scene in Tommy Boy comes to mind ( https://youtu.be/dAkSziqGk00?si=fPXV09r2hFYAD_o9 ).  Essentially it’s smoke and mirrors. If a large bank actually ever went under, I say good luck on getting your payout anytime remotely soon, if ever.

Now this is the US I’m referring to. Within other parts of the world your bank money is either not even remotely secure or maybe even a bit more so than within the U.S. 

Never heard of insured crypto accounts. Even if they are out there, I wouldn’t put much faith in them like I don’t with the FDIC.