> I used it before, but it needs a bank account as far as I know.

Wise Multi-Currency does not, to my knowledge - it is a bank account and provides you banking details in many jurisdictions. The fact your bank charged you late fees isn't a reason not to have a bank, IMO, but to each their own.

> With Bitcoin you can get hacked, you can lose your password, but at least you can really own it, and no bank can just randomly take away your money.

Lots of people get their crypto seized by the government, all the time. At one point the biggest single Bitcoin wallet holders were the FBI and the Bulgarian FBI. It's time to let that narrative go.