You don talk plenty and as much as I no go like disagree with you on the points you Dey try raise, I no really agree with you either say na the best options you Dey take so. Una make we dissect them as them carry come.
Bank normally is supposed to help people whenever they are in need of cash but nowadays reverse is the case, I don't know if I will say it is because of the government and currently bank charges is becoming something else, whether you do transaction or not they will charge you.
Banks be it fintech/loan companies are in business and trying their utmost to help. If you know the many loan defaulters way Dey for the country eh, you go get an understanding into watin these people Dey suffer too. No be say them Dey all that good no, these guys fit thief your money with just any reason and if you no get person with influence to help you pursue the matter, them go chop you clean for your eye.
Using exchange to save no really Dey advantageous. A collapse of the exchange and all your money don go. We know how hackers Dey always target these exchanges and even then, the CEOs Dey always try to play smart with money way them Dey custody.
Access and liberty: money saved in exchange is very accessible provided you have your internet connection and you can transact anytime, any day, any hour if you wish to unlike Bank that sometimes will deprive customer from making use of their own money because of maintenance and some careless network issues, yes nothing is wrong with maintenance but it should be done in a way it won't affect customers and to be honest I feel relaxed and free whenever my money is in exchange because it very hard to get my seed phrase, pass key and the rest of them unlike Bank that someone can just penetrate without Bank sending you an OTP.
Even banks don learn, if you activate OTP on your transactions, them go require am whenever you try to transact, if you no put am, you no go Dey expect nothing. Same applies with exchange although some make am mandatory.
Banks now don understand say, them need to Dey run maintenance for night and only on few occasions na em them Dey run this matter for day time.
I can remember the last time I had little issue with bank and I was in need of that money, omor I nearly mad because they were frustrating me knowing fully well that I'm the owner of the account. The crypto space has been a blessing I mean it is always available and reliable.
You no fit blame them for this one, them no fit know you finish until them don completely verify or go through their procedures. Na your money them Dey try keep safe make you no con give them wahala later.