Banks have their advantages. I have lost more money by losing my keys than with banks, and the same applies to everyone I know.
When someone cloned my card and used it the bank refunded me, when someone hacked Kucoin they refunded me, when I lost my keys I had no one to blame but me.
How did you lose your cryptocurrency wallet keys? It is necessary to store the keys on pieces of paper in several copies, as well as in a file password-protected archive on a removable disk.