it honestly sounds a lot like banking. We just have some rules now to prevent this sort of thing. It's not bitcoin that's the problem... It's the money changers.
A firearm is absolutely, 100% safe as long as no one ever interacts with it.
Because we are humans, in a society, and everything we do relies on human interactions, if Bitcoin (and crypto in general) cannot operate positively and effectively, except in theory, then it is the problem, regardless of the underlying reason.