It changes the standard of living and makes transactions easier.
To get government legal recognition and benefits.
I don't know how keeping money in banks will change my standard of living. How does keeping money in the bank make you recognised by the government? Maybe you mean it could be used to get government assistance like loans and grants.
Invest 25% in land
25% in gold
35% in Bitcoin
15% can be invested in the bank for financial expenses and emergency fund expenses if necessary.
Basically, OP is advising that we should diversify our income
. To to real estate, Bitcoin, and gold, it's good advice. However, keeping large sums in the bank in savings or fixed deposit accounts is a waste because the interest is less than the inflation rate.