CryptoCurrencies are in my opinion without question the better currencies as you can´t manipulate them, whenever it´s setup correctly. The only thing that worries me is, what happens, whenever someone gets all his funds stolen. I mean imagine you got family, get hacked and don´t have a single penny anymore the next day... A Bank could restore it but with crypto no one will help you...
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Banks aren't in the business of helping! In my mind, the cost of involving a party like a bank or visa is too heavy to warrant the benefit of refunds under such examples, especially when considering the fees they charge for being in our lives. Holding multiple different wallets and distributing holdings over these is one way to mitigate hacking. I still think we're much better off without them!