There are also several security features to extracting money from my account: there's an account number, name, physical access to debit card, ccv, account password, OTP, pin numbers. All of which are missing in the typical crypto ccy net.
Furthermore, banks are forced to record identity information from their customers making it difficult for a nefarious actor to conceal their identity.
One advantage for crypo ccy is potentially making anonymous transactions. I don't really have anything to hide in that regard. The mundane shop at the supermarket, ebay or even buying drinks at the pub.. nothing very revealing.
If your life savings are at risk from losing a secret key or simply by someone nicking your secret key then I'd call this a "bug".
All the risks associated with holding onto it is worth it to me. Anonymous transactions are not interesting to me personally but complete sovereignty is.
The chances of someone guessing your key are very low. But if you are worried about that then you put the funds into a multi-signature arrangement.
It certainly takes time to understand these things but it's worth it for the benefits it brings. Nobody can steal or tax your funds against your will. If it takes 6 months for an average person to wrap their head around all the concepts it's not the worst thing in the world. It takes 6 months, at least, to learn how to operate a tank. But it does slow adoption rates.