Your money in the bank is just a number that shows the amount of balance you have saved, it is your money, but it is not entirely yours because the bank has access to manage the money. If you keep it in a small amount to make it easier to make buying and selling transactions, you may still be able to bear the risk if something happens to your bank account, such as a break-in or your account is suddenly closed. Make your bank account a temporary transit place when you make a withdrawal from the Exchange, after that you manage the money yourself to avoid any risks that may occur.
Don't keep too much of your wealth in cash, that's what many successful investors and the world's rich people say
so far i only have a little fiat money that i put in the bank, the rest i put in the form of investment assets
(crypto, stocks, gold) what i need now is just consistency because if i continue to consistently do my current routine then in the next few years i will get a multiple profit from the capital.
however fiat is always affected by inflation so don't keep too much money in the form of fiat that is put in the bank.