I'm kinda confused at this point, so what did you come to a conclusion on. Bitcoin or bank? You literally gave why both of them are good and bad and somehow they balanced each other in these aspects. Bitcoin investment is a long term goal, not just a means to save money, but as they call it an investment. You don't double your money investing on bitcoin, you grow your profits gradually. For so many reasons, banks and financial institutions have showed us why they cannot be trusted and why we should be our own bank using BTC. What matter most is that your funds are safe, so it's up to you to either invest it on BTC or leave it to rot in the bank, while the bank use it to make money for them selfs.