From the other point you made from the first line of this thread, and yes holding Bitcoin and cryptocurrency is much more better than having cash in the bank. So with crypto, your in charge of your of funds unlike the traditional Bank way we save our imoney in, However, holding cryptos isn't totally risk free because for some people they store their cryptos in a centralized exchanges and you know,  not your keys not your cryptos.  Secondly,  in crypto, you cannot recover your funds if you totally lost access to your seed phrases,  so if you want to self custody there are still some risk involved for you to be aware,  lastly the crypto industry is a volatile one and there id no guarantee of price stability in terms of maintaining the value of money you put, except for Bitcoin which has proven to be increasing over the time.