Sure, and I didn't answer the question. I think it's hard to answer the question in a fair way. Banks and financial instututions fail in various ways from small to big more than most people think. On the other hand, they are 'too big to fail' so their mistakes get fixed by governments out of the public purse.

These options are not currently available to cryptocurrencies, but that's a social choice.

I tend to think that the scamming aspect of cryptocurrencies is massively overstated. There are lots of ways to be taken in and scammed, but that's true in the fiat world too. A small amount of care goes a long way in both worlds.