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.
Commercial banks are annoying sometimes, some of them don’t value their customers and they don’t appprecuate some customers that keep their money with them. They Banks rely on the mint people save in their custody, but their charges are been much sometimes and some of the charges are not really necessary.
However, saving in crypto exchanges is also risky because the exchange is still in control of your money; the only difference I see with bank saving is that, in banks, you save fiat currency, while you save foreign currencies in the exchange; and you must use p2p to the same banks you are complaining of before using the money, so your banks can be avoided, but saving with them can be avoided.
However, saving in your personal close-source wallets can be the best for you, and make sure you hold Bitcoin or stable coin instead of any altcoin, and make sure you save your seed phrase on a place no one will have access to.