Well put. Our financial sector is there to benefit from people, not to protect their client wealth. I live in a country with 0% taxation but also with 0% guaranteed accounts. So we typically transfer our savings off shore. All brokers sell mutual funds to increase the wealth as time goes by, but the only guaranteed and predicted detail is the yearly charge, which is 1% + 1% + 1% in all layers. That added to a possible loss of the finds is guaranteed to eat up the capital pretty soon. And when saying I only want an account with debit card I end up being a scum because I don't benefit the system.
Cryptos are more than welcome as we finally need to get to manage it all ourselves.