In my opinion, both methods of saving money have their disadvantages and advantages. If you place your money in a bank, it can become bankrupt and you will lose all the savings that are in the bank. regards crypto, then crypto is still very volatile and unstable, even exchanges and ICOs, and there are more scammers in cryptography. Thus, depending on the degree of risky acceptance, you can choose the best ways to invest your money, and their safety.