You hold nothing If this money not backed by something real or atleast with cash.
The BONDS treasuries not something for sure but they are more like coupons wich show's how good situation the goverment and other people are to keep value of money.
I told my own bank show me stablecoins, cash,or cryptocurrency or gold equlaint with money i have otherwise i own only numbers wich doesn't mean anything just the numbers on screen.
Perhaps you are the only one who think that way towards money, if you don't understand much about the usage of money you shouldn't just come out and say anything because everything you said sounds too exaggerating to me about your money not affording any cryptocurrency when you said you have money in the bank, however even if you have upto $1k or even lesser abit, still you can afford a lot of cryptocurrency if you want including Bitcoin. Actually in terms of keeping money in the banks is individual decision and you don't even no what someone is keeping it for or the business he had in mind, so actually you should try not to equate your money with gold before you can see it as anything.