What I know is that, every innovations modifies the old structural development of an institutions as the purpose to everything is civilization, the case of crypto investment and banks is quite a new innovations just like postal office and emails bringing in new system of message delivery too. So it's nice embracing new innovations when it comes and be part of it.
Crypto serves multiple purposes, cross border transactions and investments (long and short term), Banks doesn't offer much other than savings with no increase in values, investing with low percentage rate for longer period but has limited amount which only favours the rich which is discrimination.
Your very much on point the word innovation stand better in the description of what bank and crypto saving ought to be to any individual and the matter of choice and quick decision making when it comes to investment and area to which the investment can be made. Many individual find it difficult to adapt easily when it comes to certain technological developments no matter how profitable it will be to them I can assure you even most person prefer to send message through postal but the benefits of emails has overwhelmed the postal I believe with time many will see the crypto saving as best just as email is taking over , it can be more profitable that one adapt this saving early as more profit is attached than late but no one is bad but in time to come one will overwhelmed one despite not having the same purpose.