Banks are more careful, and that's why they don't deal with certain kinds of transactions. And that's where crypto comes in to "disrupt banks" and "democratize finance".
Long term, crypto will be no different than regular currency and finance because people don't like getting ripped off and defrauded. We'll have a period of time with people pulling old scams but with crypto, and eventually it'll be regulated just like normal finance.
The dilemma is that you can either escape those regulations by going to unhosted wallets (self-custody) and transacting on the blockchain, or you keep everything (by regulation) entirely within the regulated intermediaries, but then there's no need to waste 1% of world electricity on some slow "decentralized" database.
For this to not be possible it would have to be widely in use and government-backed.
In my previous post, I was considering the cases that currently involve a bank, not those involving crypto. When someone goes to crypto to bypass the existing systems (safety or otherwise), I think that fairly switches them to a fully buyer beware process.