You can always keep your FIAT in a safe box at home? Or rent a box in, you know, a Bank?

Why do you want an organization to keep your money if that’s an issue for you?

Banks cost a lot to run. They make money loaning money. If you can afford it, open a Swiss or Lux account in a private Bank (private as in high end clients). Expect to pay through the nose in fees unless you give them 3-4M euros. They won’t loan your money out.