You wanna move 100$ Easy reason
You wanna move 10k $ still Easy
You wanna move 100k $ need some quite bigger reason....you wanna move 10 mil $ still need very big reason for that you wanna move 1 bil $ ... need geopolitical global bigger reasons.
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 you take big money and wealth so you need geopolitical reasons.
Specially when goverment offialials circles want to put state money in their pockets.
That's when you have money in the bank. To take huge amount of money they don't care if you are the owner of the money or not you need to explain why you are moving such amount of money.
Having money in the bank is like sharing ownership of your own money with the government and they have the biggest share to get financial freedom you need to start investing and having less Fiat.
That's the truth about what happens in the practice of putting money in the bank. It's true that we give them the authority to hold the money we worked hard for, money they didn't earn.
But if we ourselves place our assets outside the bank, such as in non-custodial wallets, it is better and even good to do so because no one else has the right
to control our assets but us and no one else.