another factor to consider when you put money into the bank is that, incase of bank liquidation the depositor is most likely not to get all his fund back rather a certain proportion.
Banks do not fail often, it happens rarely and at least your money in the bank is insured up to a certain amount. Mind you that businesses also collapse/fail, investments can also go wrong and even people who invest in digital currencies can lose their coins to scammers if they are not security conscious.
That said, it is correct that the bank is not the best place to keep most of your money, but you should use the bank to hold a small portion of your money, prolly money for daily spending and for emergency needs.