I would suggest that some cryptocurrency wallets are better than others. Some cryptocurrency wallets allow you to store the token on a laptop, phone or even thumb stick. But if that device fails, the tokens are lost. The thing I like about steem is that the wallet is distributed across 14,000 servers all over the world. The changes that all of them are wiped out is very remote. So the only challenge is finding a computer and internet access to connect with it. Banks don't care about people. Their only concern is with their own cash flow and profits.