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. Below is the reason I prefer saving in exchange to Bank
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.
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.
It can be really frustrating sometimes with the bank issues and yeah I understand why you prefer saving money in exchange, but however, you can't erase the bank completely in your life. There are micro financial banks now with top notch customer service that you can use anytime you want unlike our old tradition bank that isn't improving but instead charging their customers endlessly. Exchange has it own issues too so that isn't much of a difference between them, you said that with internet connection you can access your money in exchange, have you forgotten that even internet connection have its issues too that could also prevent you from accessing your money? Between exchange and bank I think they both aren't perfect, I use both to save my money and bank is even more accessible for me when ever I'm doing my daily transactions.