In the United States, individual bank accounts are insured by the government to $250k per account. The overall risk profile is extremely low, regardless of whether a bank collapses or is subject to a security breach. The general assumption is that it would require the US government to collapse for your checking account to vanish, in which case you'd probably have larger problems to worry about.

If you live in Argentina, I sympathize and I take your point.

To be fair, it's not even playing ground, security-wise. There is no mechanisim by which a bank can be compromised this quickly and completely, much more of the transfer process is permissioned.

Crypto 'banks' need orders of magnitude more security and it's not a trivial problem.