It would be lovely if one day opening a bank account was a choice, not a necessity...
It already is. You just have to be willing to make sacrifices. Your weakness determines your absence of choice.
My Company has a Bank Account, but I don't.
I don't have a car loan and never will.
I don't have a mortgage and never will.
I don't pay rent and never will.
It's your choice... What are you willing to do to make it happen?
You could only make those said choices because one guy invented crypto currencies from what I have read so far - and that guy was not you.
So it was a good thing you were lucky enough to invest into bitcoins the right time, but that being said, it was still pure luck.
"Normal" people have families, parents to support and can't live as homeless hoping one day they will get lucky.