Bitcoin guarantees sovereignty. Unlike banks that provide 1-3% return while also being able to freeze or tax the remaining balance, the opposite is achievable with Bitcoin. Understanding earlier leads to using Bitcoin earlier, no longer being part of the decaying fiat ship and being part of a world where the currency works for the people.
The thing about banks will always be a scam, nothing compared to BTC , banks will give you a way to earn, but as you say, it is only a small percentage and money should not move like that, money should always be invested, BTC is the best option , a bank should not be called an Investment, it is profit for them, having an asset as powerful as BTC is the best and there is no need to invent putting or investing in something else, for me it is the best option in the world.
This is why newbies are advised not to start building an emergency funds first before they later accumulate bitcoin because they don't have any bitcoin to backup with the emergency funds. Starting right away with your discretionary income is good and start building your emergency funds as you have started for backup to your bitcoin investment.
The important thing about this is knowing how to develop your emergency fund , I wouldn't say anything about leaving it in BTC , but you have to contribute a little more often to increase that emergency fund, These emergencies sometimes leave us in a bad position , which is why it's Always advisable to have a lot more allocated to put in there.