You get to choose between out-sourcing the liability or naked-running. You can even linearly-interpolate between the two extremes. In case of banking, you already payed the hidden fee (banks get bailout using government money, aka your money)
The two responses to my very simple question prove to me that crypto is a fad that will fade into the background. Maybe a few big players will use it as their protocol, but the average consumer is never going to think about it.