You can't just move money bigger money requires bigger reasons.
In order to move you need reasons and big money requires geopolitical volatility and changes often they not pleasent but how you move big money or how
That is because you entrusted your money into banks and give them control over it. As long as you have given them power to control it, if their policy agrees that before you can take out $500 from your account that you must give a tangible reason, then that is going to be how it will work. most banks do not even allow you withdraw past a certain amount per day and even if you have a serious need, you have to take out only the amount they allow you access to.
Those are the disadvantages of the centralized system because you don't generally have access to your funds. for the decentralized system like bitcoin, you spend your coin the way you want to, the time you want to and get access to it without being questioned about why you are spending your asset. that is what real ownership entails.