I actually think you an error here. When you deposit funds the bank legally owns them. They don't tell you that, but that appears to be the way it works. That's why things like bail ins are possible and legal. So, the idea that it's a gift with a check but not a block doesn't seem to hold.
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You're confusing the idea of having a counterparty with having a legal claim to your account.
Yes, the bank is your counterparty because they can spend your money without your permission (a separate problem).
No, because you still have a legal claim to the money. You can claim title. Having a legal claim is different than technically owning, but for our purposes here, it's the same.
There is no argument you can make that you own un-created rewards on a block-chain. You cannot own something that doesn't exist.
Whataboutism for your checking accounts is irrelevant.
I guarantee you that your argument would get nowhere in court, which as we have already established, is not a commentary on the validity of it otherwise.
PS - The appropriate tool for your grievances is the sword, as you cannot win with the pen.