Bitcoin Forum

I believe bitcoin and banks are well renounced investment platforms but many people prefer bitcoin investment despite is very risky because of high demands and rising price interest and banks on the other hand saves millions of people finances all over the world yet their investment interest is very small but less risky than bitcoin. Which do you preferred your money to be save in as investment? Bitcoin or bank! What's your reason?

Many people choose Bitcoin because they believe in it and are tired of being under the control of the financial sector. While many also still choose the banking sector because they believe in it, either way, both parties have something in common, which is '"believe." You will always choose to use and trust what you believe in.


To answer your question, first using the banking system for saving of money can not be seen or address as an investment, unless when you actually deposit those money under fixed deposit or which ever means of savings which the bank uses to give deposits a little reward. 

I choose Bitcoin rather than the bank because Bitcoin is an asset that gives me total control over it. I can spend it when I want and use it how I want. That's what total control is all about. Which the bank system doesn't give to their customers. Bitcoin's volatile nature makes me also choose it as an investment, since volatility is what makes it risky, but it's also what gives me a higher chance of earning a profit from it through price change.

The high demand of bitcoin doesn’t makes it risky Infact it will only help to minimize the volatility rate. Bitcoin is more preferable as an investment rather than having fiats in banks because with bitcoin you have total custody of your funds and this will help save the stress of having not to worry about bank closing down due to either bankruptcy or it’s likes. Bitcoin is a great investment asset because it hedges against inflation which makes it a great store of value. The decentralized nature of bitcoin which makes its price to been manipulated by a group of people or government is why it is my choice against fiat as an investment asset. Holding bitcoin as an investment also edges fiat because it has the potential to grow in price.

Neither Bitcoin nor the bank is an investment platform, Bitcoin is a decentralized currency, whilst the bank is a place where you keep your fiat currency, and perform other financial activities.
Bitcoin price is volatile, so that makes it a viable investment option, thus you can invest in Bitcoin if you are patient and you know how to keep it, definitely not in an exchange, but in a non-custodial wallet. Use the bank if you basically want to keep your fiat safe, but if it is attractive ROI you seek, thus you must be ready to take risks (and it isn't peculiar to just Bitcoin).I do it in three ways: i keep fiat in the bank (but not as an investment), i keep Bitcoins in cold storage, that's my Bitcoin investment, and i have Bitcoins in a hot wallet i use when i want to spend Bitcoin.

Did you just say banks SAVE people’s finances? Hah! Good joke! Banks only screw up people. You just choose if you wanna be screwed short, mid or long term. It’s a business, not a charity, man!

Banks are slowly transforming. They’ve got to do this because:
1. CBDCs are on their way
2. Crypto is becoming more and more adopted.

Do you see a connection? CBDCs, crypto? They’re somewhat a similar subject, a digital currency. So if banks need to grow by adapting to the future and the future is Bitcoin, what are we even waiting for? Invest in a bank which has been doing banking for a hundred years or invest in something that’s changing the future as we speak?

Its a hard choice cause first of all. Bitcoin is somehow an investment on my opinion and leaving your money on the bank isnt comparable on bitcoin as investment. Bitcoin is highly volatile and the risk associated with it is very high and has cosiderable tisk apetite while in bank its not that much. Why? Cause how often a fiat currency price move far or low beyond its price? Onlt the value of it changes based on inflation. So if you are planning to invest and want more. I think you knew which have more chance of winning.

I would prefer to save my money in bitcoin for long term, the key word being long term. Bitcoin is a volatile asset, so if it’s money I may need anytime soon then I would be a good idea to save it in the bank. Saving money in the bank isn’t an investment, the primary function of the banks is to protect customers money and give loans to customers when needed.

Banking investment is compound interest and it's not an investment to be compared to bitcoin. Bitcoin is a general contribution of money by different people all over the world. The higher the number of holders and trading increases the price reflects to the trend and vice versa. While compound interest has to do with how much you invested into the bank. Another person's investment can not affect your investment; you earn nothing from someone else's investment. In bitcoin we all gain profits if someone purchases bitcoin. The value of bitcoin increases and fiat buying power is drastically falling. I'll choose both bitcoin and bank, but won't go for banking investment; compound interest.

People are made to believe that the bank is the most and the only reliable place to invest and keep our money, but the bank is really using our money for business and making more money with it, as they are just giving out little profit as a return on our investment.

Bitcoin is a store of value; land is also a store; and money is also seen as a store of value, but I think that money is not a real store of value because a real store of value appreciates instead of deteriorating in value. If one decides to keep money in the bank for some years (as fix deposit), the value of the money might have gradually deteriorated before the person decides to use it; even the little interest that the investment has earned cannot buy a thing in the market because the value of the money has reduced.

Bitcoin has a limited supply, and despite the price volatility, if one invests in Bitcoin and holds it for a long time, they will sure sell during the bull market and make a huge profit depending on the amount they invested. So bitcoin investment is what anyone could ever think of choosing rather than investing in the bank. But for the record, a good economist or a financial maximalist don't only relay on one investment source, they diversify their investment and also keep some fiat money in the bank, perhaps not as investment.


Bank can be a financial institution were every financial activities takes place but still can serve the purpose for individuals to invest their money through fixed deposit (as it's being called in my country). Bitcoin can also serve the purpose of investing your money into it.

IMO, the choice between Bitcoin and banks depends on your risk appetite and understanding of the respective markets.  If you prefer the potential for high returns and are willing to accept the accompanying risks, Bitcoin might be an option for you and if stability, security, and more modest returns are your priorities, then keeping your money in a bank may be a more suitable choice.

But since Bitcoin is very volatile and many people already understand this, they think storing value is a good idea that saving your money on the bank which the banks making a profit on your money.

Banks provide low interest on our savings, but when we go for a loan we'll be charged heavy interest. This is how the banking system is functioning all around. There are more investment plans, and few are really nice and a must for common people's life. In that stance I always have diversified portfolio. As private firms doesn't provide with retirement, I prefer investing on a retirement scheme.

It is true that just saving in terms of bitcoin is more than enough to have retirement fund and enjoy life. However my thoughts were of receiving a stable amount and that had made me go with retirement scheme and savings were in the form of bitcoin and other cryptocurrencies.

Remember not all who invest bitcoin or any cryptocurrency succeed to gain profit, most don't, especially those who doesn't know what patience is.
Investment in banks are not profitable, sometimes you will get no interest, or even negative interest. It might sound a better place for saving your fund but it is not. Many banks can file bankruptcy and you cant do anything once they do and you will lost your money.

Banks aren't really designed for investing. Because they are a bank and they are for the deposits and if ever they offer some investment products, it is far from the projected profit that Bitcoin can give. I prefer to have a bit of savings to my bank but a bigger part of my wealth in Bitcoin and I mean this. Like, I do not have much money on my banks account but I am happy with what I have as per holding Bitcoins. And that is why someday I am hoping that it will be more than what I am expecting to earn for which I will never earn from investing through bank.

I absolutely hate the banking system of my country because they run their banking system through complete irregularities. Moreover, the banking interest system is very low and if you keep money there, it gives interest at a very low rate. And if you invest in Bitcoin, the banking system is much safer and the amount of profit is also higher.

I guess you are asking the community wherein we invest our money on Bitcoin, so yeah, the answer is going to be obvious. Although there are big reasons why,  if you look at Bitcoin's return every bull and bear cycle, it's greater as compare to the bank bearing interest program.

So nothing beats BTC as far as investing, of course there's nothing wrong with investing into a bank if that is your strategy, but the interest will not even enough to cover the inflation rate, thus your money returns are that small and on the contrary, you are not getting any gain from the money that you have deposited.

In my opinion, investing in a bank can be called good for the short term, but for the long term, I think it will be affected by inflation.
but if investing in bitcoin it will be suitable if used for long-term investments because it has the potential to not be affected by inflation because the price of btc will potentially rise in the future, but if used for short-term investments there can be potential losses because btc prices fluctuate.

so I think in this case it depends on the situation and circumstances.
so i think investing in bank is important, and investing in btc is also important.

Bitcoin and traditional bank investment serve different purposes and have varying levels of risk and potential income. Bank investments, such as savings account and certificate of deposits are generally considered a low risk options that offer a guaranteed return on investment. This products are insured by the Federal Deposit Insurance Corporation (FDIC) it means that if the bank closed the investment is protected up to a certain amount only. However the return of investments are typically low. Bitcoin is decentralized digital currency that operates outside of traditional banking system. Its value can be volatile which means that i has a higher level of risks, but it has much higher returns compare to traditional banks. I would choose both because i wanted to diversify my portfolio.

- Banks are not investment platforms. They are places where you keep money and sometimes it gets stolen right under your nose.
- Bitcoin is an investment that increases over time.
- Old people choose to put their monies in the banks that for them is the most secure place they have know since they were kids. Young people on the other hand prefer bitcoin because they get to control their money, the ease of access or convnience and fast transactions for payment purposes.

There is nothing wrong in keeping your money in both places, but you have to do it smartly. Maybe in ratios or whichever method pleases you. Say 70% bitcoin and 30% banks. My reasons are that bitcoin is where I feel safe after having a terrible banking experience with cross border payment and other stuff.

investing in a bank is something we definitely do, because after all we will need a bank, but as far as I know investing in a bank the profits are small unlike investing in bitcoin which of course always generates big profits,
and I chose to invest in banks and bitcoin with the aim of getting bigger profits. but the difference is investing in btc only using idle money because investing in btc has a higher risk such as a fall in the price of btc.

Banks are not investment platforms, they are places where you store your fiat currency that continues losing its value due to inflation and constant money printing since fiat has no cap.
Bitcoin is also not an investment although it can act as one since its price has gone up in the long term so far and it also has tremendous amount of potential for more growth. Bitcoin is a currency that is in its infancy so it is still being adopted slowly by the world hence creating the volatile market and creating investment opportunities.

You can save or deposit your money in the bank but keeping money in the bank is not called investment. Because if you keep money in the bank there is no possibility of your money increasing or decreasing even though you will be given some interest monthly based on the money. But in the case of Bitcoin it is completely different investing in Bitcoin has the potential to grow as well as the potential to lose money. And we can consider Bitcoin as a good investment medium.  Investing in Bitcoins is wiser than keeping money in the bank because investing in Bitcoins has great potential for growth, although investing in Bitcoins is somewhat risky but risks must be taken to achieve success.

The pace of inflation is not as rapid as you might envision. You won't experience significant losses when depositing your money in a bank. The proceeds from your deposit can still be used to purchase something, even if its price has slightly increased, and you will still benefit from the deposit you made. Another advantage you can gain from banking deposits is that there are people safeguarding your substantial sum of money. It serves as an additional layer of security to protect you from potential robbers.

As for Bitcoin, it is indeed true that this instrument carries extremely high risks. However, you can manage the level of risk you're willing to face by limiting the allocation of funds for Bitcoin investments. Align the amount you invest in Bitcoin with your knowledge of cryptocurrencies. Avoid making foolish decisions solely based on personal theories of luck, as that would be quite absurd.

I shall persist in investing in Bitcoin as long as my wealth has not yet attained the desired gains that I anticipate through allocating it to bank deposits.

I actually wouldn't mind having both, but with how much a bank can give you versus how much Bitcoin could give you in terms of profit, I'd rather take the risk and focus my money more on Bitcoin. Secondly, fiat is fast losing value. What you can earn from your bank investments could easily be made worthless by the inflation rate.

This is not to mention the non-numerical side of things. Bitcoin is a lot interesting beyond the numbers. That it's trustless, immutable, censorship-resistant, and so on also matter a lot. They all play a role in the decision-making.

Banks saved millions of people?

First, Banks aren't an investment platforms. Though some banks are being listed on stock exchanges, the bank itself isn't an investment platform, but they act as a storage of your money so that they can protect your money. That's the problem right now. Many people really thought that it would be better to put your money in the banks, and just let it stay there for the sake of safety, but little did they know that the value of their money is slowly going down because of inflation. They don't know this because of lack of financial literacy, and the banks are taking advantage of it.

Second, helped millions of people? Well, maybe some people got some help with the banks, but that's their to cover up what they really are doing. They are profiting on your own money thru lending it 10x (fractional reserve banking). Just imagine this. You're being fooled by the banks, you store your money there knowing that they can keep it safe, and on the other hand, they are lending out your money to other borrowers, and getting profit from it, while you the depositor loses money thru inflation. What a shame these banks are doing to most of the people out there.

Well, I guess old people are the ones who taught that putting your money in the banks is the way to go. For us new generation, putting it in the banks is a no-no (or at least for me). Even though I have this hate feeling for banks, I'm still using them right now as a storage of my emergency funds (kind of ironic). :D

If I would choose between the two, it would be Bitcoin. Higher upside returns, higher profit, and I'm happier instead of putting my money into banks where yes they are giving interest on a yearly basis, but the inflation is very high that it covers that interest, so in the end you lose some value of your money. Bitcoin is more risky, but I would take the risk because I know what I'm doing already.

There's no such investment in banks, you're only save your money and you pay them since they hold your money, that's. If you think bank deposit interest rate can grow your money and it's already cover the monthly fees, well it's true, but you also need to calculate the inflation rate in your country, which mean your interest rate is only used to pay the inflation rate, so you're not earn anything.

Bitcoin doesn't offer interest, it's Proof Of Work coin, not Proof Of Stake where you can use it to stake your coin and earn interest rate. Bitcoin is secure and not risky, as long as you can accept the risk.

I prefer to keep mine in Bitcoins because indirectly, it will be a long term investment that can pay off big. I've seen how to invest in a bank. It won't give us a big advantage even if we hope to get a small profit. It's a bit difficult.

But most people still prefer to invest in banks because they have been doing it for a long time. If they know much about Bitcoin, they will prefer Bitcoin over banks even though the risks of ups and downs will be greater than banks.

And even though you save money in the bank, the interest rate you get is also small because you must pay monthly fees. But it will depend on what people choose, but most people here would like to keep their money in Bitcoin rather than a bank.

Currently I cannot rely on the banking system.  Our country's banking systems have become very risky, banks are just cheating people, looting corruption is more in banks now. I think Bitcoin is a great investment asset compared to banks.Bitcoin hedges against inflation which makes it a great store of value. I think Bitcoin investment returns are high, but bank investment returns are very low. Bank savings are slowly losing their money value due to inflation in the country.Banks only take opportunities from investors.  I think bitcoin investment can change a person's life a lot, which banks never can.

Keeping your money in the bank is simply empowering the banks with money that they can use to pursue other investments and at the end, they give you a little percentage of any profit they make as consolation. I feel cheated thinking of it like that, so I prefer to keep my money in bitcoins with my keys kept safely. Bitcoin is not just a something for investing, there are other good things Bitcoin can do, so you should not just call Bitcoin an "Investment platform". If you tell somebody new about bitcoins like that, that is the only idea the person will have about bitcoins until they decide to find out more.

When it comes to savings, I would think of a bank or keeping money in a safe. But with bitcoin's volatility, I don't think it's appropriate to call it savings. So I usually don't like to compare banking and bitcoin. Furthermore, whether banking or bitcoin has its pros and cons, and my point is never to put all your assets in one place, never to put all your eggs in one basket. Diversity is something I always think about.
The money for investment I will deposit in bitcoin and the savings I will bank or keep in my safe. We need to diversify and allocate assets properly to both ensure safety and bring our best interests.

You're joining a bitcoin forum and asking a bank question, I don't think you'll get any fair answer here. People who invest in bitcoin mostly hate banks, and they come to it because they hate the centralized system and the bank's control. But it is a fact that even if we invest in bitcoin, we cannot stop using the bank. But you will find many people here will badmouth the bank even if they still use it daily, and it is almost impossible to get rid of it.

It's because most of countries don't allow their citizens to use Bitcoin as currency, if Bitcoin is accepted as legal tender and all stores are accepting Bitcoin payment, I believe people will abandon fiat.

Ask yourself, you have a lot Bitcoin and no store accept Bitcoin payment, how you can buy foods and pay bills with Bitcoin? it's impossible, this mean you're forced to convert your coins to fiat.

People use fiat because they want, but they're forced.

I will prefer my money to be in BTC than bank because, investing in BTC will bring me massive profits when the price move higher in a way it will help me to improve financially in the society compared to bank that will be fighting for their interest and the end you will get small profit that cannot help you to recharge your phone. I will advise you to invest in BTC but let the price decrease down before you can invest and there is a reward you will get from the investment that will make you to always choose decentralized investment than centralized investment.

You are asking bitcointalk members and obviously by the name , bitcoin users of course .
Now comparing to banks? we are here because we wanted to be free from the government anticipation and we find peace here.
so if you are asking for a reason ? then it is that because government interference is BS to all of us who are wanted to be free from what they can bring when it is our hard earned money.

As Bitcoin is yet to recieve global adoptions and acceptance, we can't be done with the banks as we need them for our transaction in our business or purchasing of glocery and other business so we need both Bitcoin and banks for now. The banks shoudn't be used for investment since we have a better option with Bitcoin. Banks only make their partners rich and give us very small interest.

But when you invest in Bitcoin, you get the full benefits of decentralized investment as there's no prioritizing of the rich and wealthy individuals instead everyone is giving the same opportunity when we invest in Bitcoin and the longer you hold, you benefit more.

I've never make any good money storing my funds in any centralized bank accounts, I was also so annoyed that banks are good at removing their charges every month and no extra alert or income from their side, I gave up on banks when I started learning about crypto in 2017 and when I knew how to convert fiat to Bitcoin I don't waste any time at all, I just went ahead and went fully Bitcoin, I now use bank account if I need money in Fiat, most times my bank account is always empty, and honestly I prefer it this way.

I received money from the bank because of my salary in my main job. I use the bank just like you, to collect the salary and money that I use to transact legally in my country. During this time I kept money in the bank as the main job salary. In fact, I am always charged every month. So there are no investments in profitable banks at the moment. Maybe if it is a deposit, but it's no minimum amount and I don't have that much. So far I still really prefer Bitcoin in investing, by holding, even if it's just a little.

Given the recent commotion about multiple banks collapsing that makes customer funds inaccessible and probably loss. I doubt Bitcoin is more risky than the bank. Bitcoin price grows on an astronomical level ever since it was created while banks is plummeting as the inflation rises since they are using fiat that has unlimited supply.

Bitcoin is only risky if you didn’t know how to hold during bear season but if you are just a solid holder. You wouldn’t even feel that risk since the price keeps growing long term. There’s a lot of thread about bank vs bitcoin or fiat vs bitcoin every year since I created my forum account. Until now that Bitcoin price already grow on this figure still there’s a doubt but probably this is from the guys that new on Bitcoin.

Check the history and see for yourself how great Bitcoin compared to banks in terms of real risk.

Determining whether Bitcoin or banking is a better investment depends on various factors and individual preferences. Here are some considerations for each -

Bitcoin Investment:

• Potential High Returns: Bitcoin has experienced significant price appreciation in the past, leading to substantial returns for some investors. Its limited supply and growing demand have contributed to its price volatility and potential for high returns.
  
• Decentralization and Autonomy: Bitcoin operates on a decentralized network, giving users more control over their funds without the need for intermediaries like banks. This can be appealing to those who value financial autonomy and privacy.
  
• Diversification: Adding Bitcoin to your investment portfolio can provide diversification. Cryptocurrencies have shown low correlation with traditional asset classes, meaning they may perform independently of stock markets or other investments.

Banking Investment:

• Stability and Security: Traditional banking investments, such as savings accounts or certificates of deposit (CDs), are generally considered low-risk options. Banks provide regulatory oversight, deposit insurance, and other protections to ensure the safety of customer funds.
  
• Fixed Income and Interest: Certain banking investment options offer fixed interest rates, which can provide a predictable income stream. This can be appealing to conservative investors who prioritize stable, guaranteed returns.
  
• Established Infrastructure: Banks have well-established infrastructure and customer support systems in place. They offer a range of financial products and services beyond basic savings, such as loans, credit cards, and wealth management, which can cater to various financial needs.
  

It's important to note that both Bitcoin and banking investments carry their own risks and rewards. Bitcoin's price volatility can lead to significant gains but also substantial losses. Traditional banking investments, while generally more stable, may offer lower returns compared to the potential growth of cryptocurrencies.

Not everyone who invests in bitcoin, in my opinion, does so solely for the purpose of earning interest. Many people, on the other hand, prefer to hold bitcoins over bank accounts in order to maintain their privacy, understand their own finances, and be the only person with complete control over their money.Although investing in bitcoin has some risk, but once you understand how it works, I don't think there's much of a risk involved, which is why those who are familiar with it want to do so.


Due to various factors, including privacy, inflation, and other more, I would rather invest my money in bitcoin than keep it in a bank.However, we still require a portion of our funds to be saved in bank accounts for other uses because at the moment, Bitcoin is not widely accepted. In fact, even in my nation, it has been difficult for individuals to accept Bitcoin for their businesses. For this reason, I still require a bank to hold a portion of my funds.

All activities related to finance are not free from risks. now our task is to find ways to minimize it all. meaning that we invest and save by having to be safe and comfortable. If I choose a bank, at least one that has a good track record and has never had a problem. if I invest or buy BTC I won't go into that much detail just be careful, research before buying or reselling it and where will I keep it in my trading account or put it in my investment account.

Honestly, in general I really need both in my life and so far I can barely even do anything when the bank network in my place started to have problems with slow transactions. It means I really can't ignore both of them in my life for now so whatever you describe for both now, I really can't forget one and use the other.

Because besides I really like Bitcoin and investing in Bitcoin, I also like other real estate businesses that require me to stay with a bank and it also helps me a lot when I want to put extra money into the crypto space when I want to buy more Bitcoin for my investment for the long term, so I really have to use both for my smooth running in terms of business and also in terms of investment so I can't say bad for both.

Exactly, we still need a bank because banks not only provide us with savings services but also provide us with a lot of necessary services in life. Furthermore, as long as fiat remains the world's currency, our dependence on banks will not end anytime soon. It's amazing for people who are using the bank but still blaspheme it. Meanwhile, no one forced us to compare, and no one forbade us to use only one of the two.

Glad to see that a newbie is asking question like this and wants be clear in the thoughts. If you ask me personally then I would choose Bitcoins over banks. The reason is pretty simple. Banks are centralised and are controlled by the governments. So it’s completely not your own money, I mean you completely don’t own it. On the other hand, Bitcoins are decentralised in nature and hence you completely own the coins without any hidden charges or taxes paying anywhere. And you can easily convert into FIAT of any country.

Saving money in the bank is different from Bitcoin investment. If you deposit money in the bank it gives you low or no income and still your capital remains intact. But in that of Bitcoin case it is risky because you may loose half of your money within short period of time and at the same time make triple of your money within short period of time. So in all it better to have some of your money saved in the bank for taking care of some things and also some in Bitcoin and wait till the price increase.

Banks offer a really low interest rate, usually, that doesn't make sense unless you have a lot of money (but in that case, you don't really need more or it, even though you can make more) and the fiat currency you're dealing with is very strong (otherwise you might lose more to inflation than gain from the interest rate). Moreover, it comes with a risk, since banks are centralized and can basically do what they see fit with your money. If you hold your Bitcoin in a non-custodial wallet, however, at least the money is really yours and nobody can manage or mismanage it. Sure, Bitcoin may not grow as fast as you want and it can take a while to recover, but there's also a chance to gain way more profit than with a bank deposit, especially if one's willing to wait for several years.

You misjudge risks when you talk about banks. Firstly, the interest that you can receive from a bank deposit will be eaten up by inflation, and secondly, while the money is kept in the bank, it does not really belong to you, but is under the complete control of the bank, and you may not even be able to get it quickly in case if you need them.

As you can see, the risks are quite large and I see no reason to keep money in the bank, and even more so, I see no reason to use a bank deposit to make a "profit".

What you said about the bank is absolutely true, that is the downside of the bank. But what about bitcoin? Is it perfect? Is it safe for us to put all our assets in it? The answer is that nothing is perfect and safe. What happens when you put all your money in bitcoin for $50k or $69k, and you need the money urgently right now, and its price is only $26k now? Will you still be satisfied using bitcoin after losing over 50% of your net worth?

To be fair, nothing is perfect. And the solution in this case is not to put all your eggs in one basket, diversification is essential.

This is what I am doing, and I am satisfied with my plan. It would be foolish to put all our money in the bank because not only would it not benefit us, but our money could also be eaten away by inflation. But it would also be more foolish to put all your money in a volatile asset like bitcoin. We can lose everything if one day bitcoin disappears. So, dividing assets into parts and putting them in different places is the best way we should do it.

I did not see Banks as a ln investment platform all but bitcoin is for investment for all. Bank investment is only meant for those owners for the bank and not for others. Op has you or  any of your house family member is also a shareolder in a bank? For you to invest in bank, you will become a shareolder and for you to become a shareolder you must have millions to partake. It is only in bitcoin one can invest without having a huge amount of money but I don't think so with bank.

Banks also have risks especially those who are about to fall without their client's knowledge because they hide it from them. Now if we are looking for secured and sure income for our money, I can say holding bitcoins is more secure in the next years to come because you don't have any fear about losing it or losing control of it when you do some necessary things to keep it safe. Banks are not reliable in every situation and there are times when they hold your balance and do not release it due to some unforeseen calamity whether it's from them or something they detect anomaly from you.

Why will I choose to invest in bank when I know that banks are just using me to multiply their own money, if you invest in bank, they use your money to run some other businesses and give you just little percentage from the profits which they make, investing in banks is just like you are enriching banks owners and you are not enriching yourself, but if you invest in bitcoin, then you are enriching yourself and not anybody. I don’t even leave money in my bank account, I only leave any amount which I know I will be using in the next few hours or days in my bank account, all my money is always in my wallet address, and am always controlling my money and am financially free, nobody is managing my money and nobody is monitoring the way am spending my money.

Storing your money in cryptocurrency and in bank are both good option, there are different prons and cons in different ways of storing your money. If you want investment then it is good to store your money in cryptocurrency especially in a long term investment and also you have the power to control over your money in anytime and in anywhere you are. Bank is not a good investment, as it is only good for saving your money, if you just dont want to risk your money and you just only need to place it in a safe way then go for the bank.

Investment in banks has experienced a decrease in the level of trust in line with the economic situation and investment outside the bank has actually increased as an effort to protect wealth.

Investing in Bitcoin is a more reliable type of investment than investing in a bank that provides expectations of an annual interest percentage.
In my opinion, the fall or bankruptcy of Silicon Valley Bank (SVB) is a strong consideration, the percentage of investment in banks has decreased compared to investment in Bitcoin and Gold.

Personally, I don't like the banking system, so I have absolutely no intention of saving money there.
Speaking of risk, everything has a risk. It depends on how we manage risk.

Why do we have to choose only one? I prefer both and this is how I have progressed so far. If the conditions and the world change, the choices that are appropriate for that time are made. One of these choices can replace the other, yes, but time has to pass. I think it is too early to ask this question right now.

Our choices enable us to live in accordance with the times. We cannot ignore something that exists or has validity at this time. I am glad that the banks have accelerated the future of Bitcoin with their mistakes.

The bank is a place to save money and not to invest even though it has investment products too. But generally, banks provide accounts for people to keep their money in.

While Bitcoin is a type of investment, we know besides other types of investment. And many people who are familiar with Bitcoin will choose to save their money in Bitcoin, but they also save their money in the bank to make ends meet and for sudden needs. And I keep my money in Bitcoin and the bank, but I don't invest in the bank because the interest I will get is very small, and it's not worth trying.

Thing's are changing into a global wealth class, which Bitcoin is a moving trend of financial services, banking my money with Bank is a waste of time and energy, because stress going to bank, and also without being making a transaction, bankers we still collecting charge's, so I prefer Bitcoin as savings account that we stayed Long, before making a transaction and give more profitable than Bank.

I will be more inclined to choose investments, and bitcoin is one investment that I think has enormous potential in the future. maybe a deposit to the bank is a safe way to make extra money, but we also need to have a large deposit so we can feel the interest each month. However, I prefer investing or bitcoin because I feel that with not so much money, we have unlimited potential to get big profits, but also with the same big risks.

For me, investment in banks these days is already old school. Because for me, I am only using the bank these days for my daily expenses or emergency fund, money that I can quickly use just in case I want.
Which, about investments, I don't use banks at all for them.
Bitcoin yes, I bought Bitcoins sometimes when I want to invest in them. Then I set my goal where I will take profit from that investment.

I use the bank to keep my savings for emergencies as well as my daily necessities. I never thought of depositing a large sum of money in the bank to receive the meager interest they paid us. Meanwhile, I use bitcoin as a long-term investment for the future, although bitcoin is riskier than other assets but with the return it can provide, I think it's worth the trade-off.

If you are not a risk taker and can't take risks, don't invest in bitcoin but don't put all your money in the bank, try with stable assets like gold. On the contrary, you can take risks, like thrills like riding a roller coaster to find with bigger profits then bitcoin what you need.

 Bitcoin is a type of investment, we know besides other types of investment. And many people who are familiar with Bitcoin will choose to save their money in Bitcoin, but they also save their money in the bank to make ends meet and for sudden needs.

The bank is a place to save money and not to invest even though it has investment products too, when you actually deposit those money under fixed deposit.

Every of them can be considered as investment but the bitcoin investment outshines the bank investment. Bank investment will give you little return after gaining so much from your money but bitcoin will not use your money for anything and again give you return in multiple. The investment is good when we understand them and bitcoin is to be invested at the proper time. The proper time is the time that the value is low not the time that is high and that will put anyone in trouble. Investing and letting the investment spend many years is a good plan for bitcoin and might have given you more than 100 times of what the bank will offer you.

Banks and cryptocurrencies actually face the same problems. This happens because fiats are digital too. So they both need same things: privacy, security, good online services and good support facilities. So banking networks and cryptocurrency dev teams (along with miners) deal with similar troubles.

People choose bitcoin over banks because they don't want to trust their money to other people, they want to have full control over their funds.
I choose Bitcoin.

your opinion makes sense too, yes it is like that friend ,,
because investing in btc is very fun and will also have the potential to get big profits,

but investing in btc can of course have the potential for loss if we get panicked and sell it in a bear market situation, or need funds for medical expenses and sell it in a bear market.
I think if you choose to invest in btc it is a good thing as long as you are ready to take risks.

I'd rather have my money invested into real estate to avoid my money from lossing it's purchasing power. Banks only have like small percentage in year interest but the rapid inflations are making it worthless. Buying properties and consider it as your savings is much safer than putting money in the bank. Nobody's gonna take it away from you and your property's value will increase as time passes way higher than what the bank offers.
So, I prefer real estate and bitcoin  as an option to save my money.

That depends on what you are looking for to do with the money you saving. Do you have a fixed goal in mind like buying an apartment or new car? Or do you just want to save money? In my opinion crypto investments offer a lot of benefits, but so do other investments. By banking investment I think you mean buying stocks, or is it just a savings account? Saving money at the bank for 2-3% interest makes not sense at the moment, because the inflation rate is much higher and you are only losing value. I would always prefer to save money in crypto currencies than in an ordinary savings accounts at the bank. When it comes to stocks it's something else because they can make much higher returns. The big benefits for me come from the dividends we can earn with good stocks. With crypto currencies we don't earn any income while holding them, but with stocks we can get 3-6% return per year by holding them. This of course means you are using money that you don't need short term and where you won't feel bad if there are some 10-20% swings in the prices. As long as you are not forced into selling the assets at unfavourable prices you have no problem and can wait for prices to recover to sell again.

Until now I haven't seen banks completely abandoned by people, even those of us who are already active in bitcoin still need banks as a means of converting bitcoin to fiat. So, at this stage banks are still needed, not just me and maybe many people.

Bitcoins and banks are not investment platforms but banks where people deposit money whereas bitcoin is a decentralized digital currency. What is meant by a bank that saves millions of people around the world? Banks are no less risky than bitcoin and there is no guarantee that when the bank goes bankrupt your money will be returned.

If you want to be more honest about saving money, it's better to use the previous people's pattern, where they buy gold instead of saving money in the bank. But when you know how to invest properly in bitcoin, it's also not wrong to put money in bitcoin even though the price of bitcoin always fluctuates.

Of course, I prefer to save my money as an investment in bitcoin because owning it means I have a greater chance of getting big profits, especially with the possibility that the price of bitcoin will increase. That means if I can collect or save my money in bitcoins, I can get the benefits later.

I don't like to keep money as an investment in a bank because the interest is very low and it's not worth it. Especially now that bank interest has decreased so much that bank deposits cannot be used as a place to grow money. That's why I prefer to save money in bitcoin.

This is a good advice. You should invest according to your circumstances (personal, economic...). If we knew the OP's needs and motivations we could recommend investing in Bitcoin over banking or viceversa, but as he only asks for our thoughts, I have some savings and the money I need to pay bills, while a part of my savings that I could afford to lose is invested in cryptos for dear life. I suppose that in my case I have a riskier profile than most people out there, but not here in this forum.

Saving money in a bank is nonsensical! the money you put in is like a "block of ice" melting
away in your back garden as quoted by Michael Saylor!

Even in Europe with the interest rates being increased 4 or 5 times this year so far, banks are
passing those increases on to their loans and mortgages but not or not fully to deposits.

While the banks advertise to get your money and make it sound like they do you a favour
they really only suit themselves.

Bitcoin is a very sound alternative to bank deposits/savings,.

It is because their confidence is never gone on them. They're backed up by the government and the central bank and that's why even if there's Bitcoin and another monetary system that shall be liked by many people, still, they're there and they can't just be gone and their main purpose is to circulate the money in the economy. And when people talk about savings, the very first thing that comes to everyone's mind is about saving in the bank.

Even for the corporations, they're borrowing money in the bank and it's easy for them to take loans because the banks know that the money that will be lent to them will generate money.

The high return comes with high risk, I agree with you that investing in bitcoin is hundreds, thousands of times more profitable than bank products. But there is no such thing as a safe, high return, and bitcoin is one of the riskiest assets today because of its volatility and lack of widespread recognition. But many people enjoy that volatility and unpopularity and have taken advantage of it to make huge profits that no other asset can.

Bank has been existing before bitcoin came to an existence. So the investment in bank is still have more quantity than bitcoin but the investment in bitcoin is more quality than bitcoin. People prefer bitcoin to Banks because banks do not give out profit to clients or customers unless you are doing some special business with them before they can give you profit at the end the agreed times but bitcoin gives you profit at the bull market time. Why banks are less risk than bitcoin is because it is a centralized system in which they into assurance company which recover most of their lost from there. While bitcoin is a decentralized system that anyone who come into it control their funds by themselves.

The bank is absolutely not a reliable structure. You are essentially giving money to a third party. This is the same as giving a secret phrase from a bitcoin wallet to a complete stranger. The one who wears a suit and smiles, but at any moment can deprive you of this money. Obviously, the best solution would be to store cryptocurrency on a reliable wallet like a Ledger.

And then your funds will always remain only yours.

Everything is at risk, mate. Storing assets with cryptocurrencies also comes with risks, and its volatility and uncertain future will also cost us if we rely too much on them. Not to mention the risks such as hacker attacks, loss of seed Phrase, and the possibility of recovering assets are almost zero if we make a small mistake. It can be said that nothing is safe, and each has its advantages and disadvantages.

My way is to split my assets and put them in different assets, this way, I am safe so far. If something goes wrong, I will only lose a fraction of it, unlike others who will lose it all by depositing all their assets in a bank or storing it all in bitcoins.

Before knowing Bitcoin, banking is a place to store money for future investments that are very safe for us to use and the risk is not so great, but after knowing Bitcoin there is a lot of experience that I can get, especially the problem of profits that are so large if the price increase occurs, but the risk is also the same and those of us who already understand the flow of Bitcoin certainly know when it is time for us to take all the results of our investment, and on average many who benefit, so currently I prefer bitcoin to invest compared to banking.

I have both, but I have way more Bitcoin. It's good to have options, but I trust Bitcoin more in a lot of ways.

I would choose Bitcoin over Bank when it comes to investment.
I hold my own asset and have my own control over Bitcoin, yes it is risky that is why we have to manage it well and we could always cut loss when needed.
We could easily get the amount that we would earn in a year of investment in banks in a shorter spam of time in cryptocurrency, I know that it is riskier than banks but we choose to invest in order to earn money not to just let our money sleep in it.

Currently, most banks have started reducing interest rates on deposits, some banks have even interest reduced them. At present no bank will give more than 6 percent interest. So I think it's better to invest in your Bitcoin. Investing money in Bitcoin allows you to control your money in any situation. You can save money in the bank, but the bank is not suitable for investment. Remember one thing, the bigger the risk, the bigger the reward. If you don't want to take risk and want to make a small profit, you can keep money in the bank. The risk in Bitcoin is high so the profit in Bitcoin is high. If you want to earn big in the future, you must take risks. I think the value of Bitcoin will increase a lot in the near future. And many Bitcoin experts think that Bitcoin will become the new ATH by 2024-2025. So I think investing in bitcoins will give you better returns in future rather than investing in banks.

Deciding between investing in Bitcoin or traditional banking options is a complex decision that depends on various factors. Bitcoin, as a cryptocurrency, offers potential high returns but is also associated with higher volatility and risks. It operates independently of traditional banking systems and provides decentralized transactions. On the other hand, traditional banking investments, such as savings accounts or certificates of deposit, tend to be more stable and secure but offer lower potential returns. Ultimately, the choice between Bitcoin and banking investments should be based on an individual's risk tolerance, investment goals, and understanding of the respective markets. Diversification may be a prudent strategy, combining the stability of banking investments with the potential growth of cryptocurrencies like Bitcoin. It is crucial to conduct thorough research, seek professional advice, and carefully assess personal financial circumstances before making any investment decisions.

Most of them will surely answer they will keep their money in bitcoins, but did you know that many of them also keep it in altcoin, fiat, other physical investment assets even if they say bitcoin. Some people lie about where their investment assets are, it's unnecessary for whatever reason.

So far my investment assets are divided into several parts, but not on altcoin but on bitcoin and several other physical investments. I tend to no longer trust banks and their investment products because I'm starting to realize that the interest they offer is not worth it with what I should be getting. I have gold, land and bitcoin as investment assets and I have been diversifying them all the time.

Because this system has been built a long time ago and there are only a few choices that can be made by the community regarding borrowing and saving. In the era of technology that is increasingly developing, banks are starting to provide withdrawal and deposit services through ATM machines and people no longer need to queue at the teller. This convenience makes people think of an easy solution offered by banks and can make them save time queuing.

Even though as a whole there is an imperfect system and banks are not a solution for saving money because of the potential value that continues to depreciate, for some people the convenience offered is a solution and for those of us who are familiar with bitcoin or crypto may have another understanding regarding the accuracy of placing money in bitcoin investment.

Talking about loans is also not as easy as it sounds, there are terms of the agreement that must be met by the customer and if the loan fails to meet the monthly fee, the consequences will also have an impact on the borrower's risk. So even though it looks easy and helps a little the loan risk cannot be ignored, especially if there is no other another plan when you fail to pay your monthly installments.

Your words are logical, the word loan is short but its role is long. Debt is a curse of society. If you want to invest by borrowing. Then I will tell you that it is necessary to take the right decision seriously. Because there is a lot of risk involved in investing. Risk and market volatility are inherent in investing. No matter how risky the borrower is. The lender must comply with the conditions. So not loans you can encourage investment. For investment in current generation, Bitcoin is the best for me

Bitcoin:

-Potential for high returns
-Decentralization and limited supply
-Volatility and risk
-Regulatory and security concerns

Banking Investment:

-Stability and security
-Lower risk

If you want to have a more specific view on this issue, it is better for you to experience both bitcoin and banking at the same time to be able to understand. For me, of course, I would choose bitcoin because, first of all, in the real nature of that bank, only they are holding your money with a certain percentage interest. I don't want other people to keep my money, so I choose bitcoin when I decide to use it myself. In addition, the strong volatility is also one of the reasons I like it because it can increase the profit percentage over a period of time. Although it is true, there are still many risks. But that doesn't matter to me because, to me, the higher the profit, the greater the risk, and you really have to decide whether to accept it or not.

As for me, I'd rather invest in bitcoin than take my money and put it in a bank because if you don't have it, you aren't that big or rich, and if you're young, a bank will definitely want to know how you make money. In addition, if you invest in bitcoin, you can sell it whenever the price rises without going through a middleman. However, I still prefer to invest in bitcoin because even if the price drops, is just matter of time it will definitely pump up one day.

I pretty much agree with you, there could be many reasons but I think if you have capital and know how to use it, well than it is better for you to invest it in trade. See, you will invest your capital somewhere, if invest in bank then you have to get some package for that, it will be long term investment and banks are according to their law. It is right that you should invest some your capital, but keeping in mind today trend and E-commerce, BTC is the best platform for you to invest and get more profit from time to time. But, before this opportunity, you should learn first about trading, than surely you will get success.

I prefer to choose bitcoin than banking, because i believe that bitcoin can give a big profit if we only have patience to hold and wait for the right time. While in banking we only collect a very small amount of profit from the interest rate of our deposit. Only bank company become richer.

This kind of thing depends on one's actual perspective and interest. When we talk like this on the platform or indeed the bitcoin community like bitcointalk, as a whole, of course, they will choose bitcoin as a form of investment, but it is different from those in bank investment groups, for example, because of course something like this will be the opposite for us.
So in cases like this the pros and cons are still very reasonable and will continue to happen but of course in any case it's not a problem because we really need that to make conditions colorful.
Personally, for now I still use both because it is undeniable that the role of banks, especially for my area, is still very vital and indeed we cannot close ourselves with that either, but not in the context of investment because I only use it to support my life, while bitcoin is clear I don't need to say anymore because if I wasn't in bitcoin I wouldn't be here.

As someone passionate about Bitcoin, I believe it is advantageous to invest in it. However, as a rational individual, I understand the importance of diversifying one's investments and not placing all savings into Bitcoin. It is prudent to maintain a portion of funds in a bank account as a safety net, as unforeseen circumstances may arise where fiat currency is necessary. By keeping funds in the bank, you can handle emergencies without having to sell your Bitcoin holdings, thereby managing risk effectively.

The choice between investing in Bitcoin or keeping money in a bank ultimately depends on an individual's risk tolerance, investment goals, and understanding of the respective assets. Bitcoin offers the potential for high returns but also carries higher volatility and risk. Banks, on the other hand, provide a more stable and regulated environment but typically offer lower returns.

Digital currencies do indeed offer unique advantages compared to traditional fiat currencies. The decentralized nature of digital currencies, such as Bitcoin, provides individuals with greater control over their assets and eliminates the need for intermediaries. The transparency and security provided by blockchain technology enhance trust and reduce the risk of fraud. Additionally, the global accessibility of digital currencies opens up new opportunities for businesses to expand internationally. However, it's important to note that digital currencies also come with their own set of risks and challenges, such as price volatility and regulatory uncertainties.

As much as you could, you should really be stopping or really wont really be that considering on speaking about taking a loan for you to make out some investment. You should really be avoiding this kind of stuff or set up because you would really be putting up yourself into a debt problem because you are really that cant be sure that you would really make profits out of your investment and to mind that we do have that kind of
risk on which the market isnt something that could be predicted on when it would really be making out those pumps or increase and if this is the main source of profit you are waiting for on repaying up those loans
then its not something ideal and you are really putting yourself into a big problem.If you do have other income sources then it is really just that fine on taking a loan as long you arent really that focused on a single
point or relying on it 100% or else you would really be putting yourself on much trouble and something that you should be avoiding. Investment does have always that accompanied risks.

They aren't comparable and people should stop doing so.  As I've said a million times over here as a financial advisor this is a question I get asked all of the time.  Keeping your money in the bank versus keeping money in bitcoin is two ENTIRELY different things. 

A well diversified portfolio is the only way to go.  Bitcoin isn't inherently an investment to begin with.  It has become one, just like people trade all fiat money, but it's not it's main purpose...so keep this in mind.  It should be held as an investment in your portfolio only in the part that is considered high risk. This for most people typically isn't advisable or a small part of their overall portfolio.

Not to mention keeping a large % of your money in the bank is also not advisable.

Bitcoin and bank investments are two different investments, both with certain risks and rewards.
Bank investments are more stable and reliable, but the returns are relatively low. Investing in bitcoin is riskier because the bitcoin market is very volatile and may offer higher potential returns when the price rises.

Then, what is the advice of a financial advisor regarding good money allocation? There are many people here who always rely on their beliefs to gain profits when Bitcoin reaches a new all-time high (ATH) and call themselves investors. On the other hand, banks also offer a small but more certain percentage of return on investment (ROI).

Personally, I still consider Bitcoin and bank deposits as investments because they can provide returns when held for some time.

Various economists are already warning about the possibility of global inflation in the coming days. If something like global inflation happens then I think keeping money in the bank is risky. Because during inflation banks are in debt in various ways and those who give loans at that time also refuse to pay the bank loans, so keeping money in the bank at that time is a more risky job. Because banks will declare themselves bankrupt if they are over-indebted and unable to pay that debt. If the bank is not in a position to repay the loan then according to the special law those who deposited money in the bank will not have any right to the money of the bank. All things considered, this is the time to invest in Bitcoin instead of keeping money in the bank.

When you choose between banks and Bitcoin, always choose Bitcoin.

Bitcoin was created to solve the banking problem and allow people to own their money and transfer them without the middleman. So using Bitcoin can be safer if you think that your bank can go bankrupt.

The banking sector has been experiencing major downturns form the recent times. I do not support investment in the banking sector at a time when the world's reputed banks are on the brink of bankruptcy. When people lose faith in the banking system, the bank will be bankrupted. Because the trust of the common people towards the bank is the asset of that bank. When those assets are destroyed, the bank becomes insolvent. The crisis of confidence in the banking system certainly indicates something like that. So as a conscious citizen I don't want to risk on my assets. Although there are risks involved in investing in Bitcoin, those who invest long-term are more likely to gain than risk. Moreover, it is possible to earn much more than the current interest rate offered by banks by investing in Bitcoin. Another important thing is that the effect of inflation is very high at present, so even if you deposit money in the bank for a long time, it will lose value, considering all aspects, I will choose Bitcoin investment.
 

seriously banks saved Millions of people? so what about those people that has been robbed by banks? or those people houses and businesses in which taken by banks because of High interest from their loans?
i would rather be in risky bitcoin investment at least i knew that it is my decision where to put and how will happen to my money.

We can't hide the truth that we are choosing bitcoin when it comes to investment because of the huge return compared to banks, but the real problem is, are we doing it? I mean, we know that the bank is less risky, but the profit is also low, unlike bitcoin, where the profit is high but the risk is also high. I think if we are just talking about something like investment and we know that it is a profit or a loss and we accept it, then for sure we invest in bitcoin, but when we talk about security or a retirement fund, for sure you'll be using the bank by storing money in it, not by earning interest but by securing your future.

Well for me i choose both, for banks i use it for my daily fiat transactions where i store my fiat and i can easily also withdraw anytime when i needed to. For Bitcoin investment i also prefer this even though it is very risky but my goal for this is for long term investment. Though investment in banks is much secured but of course the interest is very minimal. While in Bitcoin it is very risky to invest but if you keep it for a long time you will earn a significant profit.

What makes it worst is that money in the bank cannot be said to be investments. Except you keep that money in a fixed/time deposit account, in this case, you can't touch it or use it until the end of the period agreed with the bank. In some cases, if you want to breach the agreement, you will do so at a discount to the bank.
It's not so with bitcoin. With bitcoin, you have an investment and at the same time, you have a currency. You can leave your bitcoin in your wallet and there's a probability that it will grow more than it was last month. There's also a probability that it will decrease, but isn't that the whole idea of an investment?

There's also the fact that your money will lose its value over time in the bank. In countries like mine where the local currency keeps depreciating, if you leave your money in the bank for a whole year, inflation must have eaten deep into the economy. If you were saving the money to use for a particular project, the money you get at the end of the year might not be able to afford that project any longer.

Hasn't inflation hit us since last year? And many banks in the US have collapsed, and it doesn't look like it will stop anytime soon. But that does not mean that the entire banking industry will collapse, and all those who deposit money in the banks will lose their money and not be compensated. In addition, investing in bitcoin is not a bad choice, but it also has its risks, it is also not entirely safe for us to trust enough to put all our assets in it. The solution is to invest part in bitcoin, and part savings in the bank, we should not depend on one single thing, and diversification is the right thing to do.

Your risk tolerance, financial goals, and personal circumstances will influence your decision between Bitcoin and banks as an investment alternative. Bitcoin has the potential for larger rewards, but it also has higher volatility and hazards. Banks offer a more conservative and regulated environment with lower profits, but they also provide more stability and security. It is critical to thoroughly assess your personal financial circumstances, examine your risk tolerance, and diversify your investment portfolio depending on your own requirements and preferences. Consulting with a financial expert might also help you make an educated decision.

All or most of the answers try to explain the matter from the angle of comparison between the two types of investment without taking into account the general situation of the investor per se. Today we have two types of investment, one in Bitcoin and the other in bank storage, with all the benefits and disadvantages of both. The most important question, in my estimation, is who is eligible to invest in bitcoin and who is eligible to invest in bank storage.
In a topic published yesterday, a member asked if he could invest half of his father's retirement money in Bitcoin, while his father intends to build a house after he was retired. This topic provides a vivid example to determine the eligibility of who can make this investment and of what kind?
Link to the topic : Dad's retirement money is invested in Bitcoin! (https://bitcointalk.org/index.php?topic=5454681.0)

This is the most objective answer I've read on this thread that accurately answers the OP's question and sums up all the rest of the attempts to explain it since it doesn't take any personal stance. Greetings to its author :)

Yes, I also think that bank investments and Bitcoin investments are two different things. If you keep money in the bank, your money will never go down and you can get some amount of profit every year. And if you invest in Bitcoin, if the price of Bitcoin increases, your investment  The money will grow and if the price of Bitcoin goes dumping then my invested money will low.

Why should we choose when we can use both? I would also choose both and recommend everyone to do it. Bitcoin is a good investment but not guaranteed, and we would be in a lot of trouble if all our assets were bitcoins. Bitcoin is still not widely used, not a payment method yet, so it will be difficult to spend every day. Meanwhile, banks and fiat are doing a better job of this than bitcoin. Regarding the investment, we should use bitcoin because it gives a much better return than the bank.

For as long as I have been involved in this cryptocurrency, in this experience I will choose Bitcoin to invest. Because the bank has to suffer twice as many benefits as it should. And currently investing in banks does not yield much profit. Most of the people in the world are now interested in investing in crypto because they don't fear losing money in banks, but there is some risk involved. Banks are currently going bankrupt due to over-loaning and many people have lost their money. But we can imagine that there is some volatility in the market when investing in Bitcoin. But investing in Bitcoin gives good profit in future so I think investing in Bitcoin is better than investing in bank.

The problem is at the accuracy stage and if you intend to take out a loan to make an investment, in my opinion this is not correct and will instead put you in new trouble. You have the opportunity in a safe way to collect bitcoins through DCA. Forcing yourself to take out a loan for investment will put you at risk of volatility and if in that condition you have no other plan to cover the monthly cost of the loan then that's where the first problems will arise.

The risk of borrowing and the risk of volatility in bitcoin is not worth the decision taken in a loan, unless we have other income as a crutch under certain conditions, sometimes people force things beyond their means, invest basically want to get profit and take opportunities in the wrong way will lead to problem. How many people end up with problems precisely because life doesn't work as it should, preparing a better source of financial income is indeed a must and very important, but this concept also does not ignore the ability and ability to deal with problems that occur

If bitcoin is considered one of the best investments and can make our finances better in the long term then DCA is one strategy that can be done, besides there is no risk, this pattern can also be adjusted according to the amount of money we have. Investments in banking will not progress in the long term because the value of money that we have does not develop and vice versa if bitcoin investment is done correctly for the long term it will definitely generate large profits.

This depends entirely on the amount and percentage of each person's investment. Personally, I do not invest the majority of my investment in crypto because it is high risk and I am not a risk taker. All financial markets have their own risks and this is unavoidable.

The only reason or people who find Bitcoin to be risky are those who have invested searching for short term gains and have completely overlooked the correct way to store value with Bitcoin, that is, every 4 years through the halvings (as supply decreases, price increases). The value, being driven by its uses as a peer to peer cash system that bypasses sanctions, limitations and weak economic policy in comparison to fiat money that is controlled by banks.

Bitcoin is far superior to banks and always will be. The risk is reduced for the longer you plan to hold it. Fiat on the other hand, increases in risk (and diminishes in value) for the longer that you hold it.

Putting your money in the bank is not a form of investment; that's called saving your money. On the other hand, Bitcoin is a pure investment since its value can rise over time. However, like any other investment, there's always a risk, and Bitcoin is considered a high-risk investment. Additionally, don't assume that saving your money in the bank is entirely safe. While they may have insurance and you can recover your money if something happens to the bank, you need to consider inflation. The more money you save in the bank, the more you will be affected by inflation.

Therefore, the right approach is to save less and invest more. In our case, it should be in crypto.

Investing in a bank is the same as saving money in a bank and getting interest that is smaller than the increase in inflation. but I see people nowadays prefer to invest in assets and can generate passive income, such as a rental business, and save in the bank only as needed for urgent needs. to invest I personally prefer bitcoin, because we can invest according to the amount of money we have and can grow bigger than other investments. unfortunately at this time not many people understand investing in bitcoin, if they understand later, it will be an advantage for those of us who are familiar with bitcoin first

Dude, imagine Bitcoin as your own cyber swag from a swashbuckling treasure hunt movie! It's adrenaline-pumping, it's got the glitz, and bam! – it might just catapult you to the realm of crazy riches. But keep your wits about you, matey! Even buccaneers had to play watchdog over their hoards from fellow freebooters.

The unchained persona of Bitcoin turns it into this mind-bending, yet tough nut to crack concept. Sure, it's power to the plebs, but don’t forget, with this kickass power, comes – drumroll please – mondo responsibility! It's way beyond just hitting the jackpot; it's about decrypting the blockchain cipher, bulletproofing your crypto stash, and acknowledging that Bitcoin, much like any other investment, is a ride on the risk roller coaster.

So yeah, hodl that Bitcoin, bro, but don't turn a blind eye to the diversification mantra. Don't be that squirrel that goes all in on one tree with his nut stash, only to see it crash and burn. Maintain a diversified spread with Bitcoin and old-school investments, and remember, in the finance fiesta, free lunches are a myth!

I suppose none of the investment strategies guarantee financial stability, since even saving money without investing can be useless, especially in case of fiat inflation. Investing is gambling, many things affecting price of assets are impossible to control.

Bitcoin is know for his anti-inflation, it's an investment which will hold value of your assets. As everyone know with time to time due to inflation every fiat lose his value which can effect your wealth power. So Bitcoin is the only possible answer of all these questions also due to volatile nature it's provide a lot of opportunities to get more and more profit instead of losing value.
Recent ancident of Silicone valley bank bankruptcy will be a good lesson for all bank lover who prefer to hold his wealth in bank and think it's safest ever place for his wealth.

It will be much easier to build a bank for yourself rather than risking your money to a bank that got a very low annual interest rate, so low that it cannot even keep up with the overwhelming inflation. Using a bank as a storage place is not really a bad idea as long as you don't plan to store it for long before inflation catches up to you, and as people prefer nowadays, they are more into bitcoin rather than a bank even if it's a risky investment because in bitcoin, their money has a chance to grow and it is also a hedge against inflation.

I would rather invest in Bitcoin because of the freedom it gives.  We all know that if we invest in Bitcoin we have our coins being held in our own wallet while banking investment removes us from control of our own fund.  They also have very low-interest rates compared to the profit opportunity given by Bitcoin investment

Banking investment? That sounds so weird. All you do in banks is you keep your money in them, thinking they are safe. Meanwhile, they lend out your money to others in order to gain profits. All they give you is a little amount of interest. And when you ask them to withdraw your own money, you are asked to do all kind of things. So is it good? Of course not! The little interest that you get is not even enough to fight the inflation. What do you want to say about bankruptcy? Isn't that a risk? I know people will have a different opinion than me. But it is how I see it.
On the other hand, Bitcoin is not all that good either. It has risks involved. But when you ask if this is an investment, then yes. This falls into the category of investment. If taken the right approach, this could turn your life for good. Will I recommend this to someone? No! They need to understand it on their own and choose for themselves. But when it comes to my decision, I will choose Bitcoin.

Let's briefly test your understanding of bitcoin and banks, you slipped on the idea that banks save millions of people around the world, fiat currencies generally lose their value due to depreciation which means the assumption of storing money is wrong. Regarding the notion of risk, this also relates to the potential for money that you save in the bank in the long term, placing money in a bank savings account will not be potential because the value of the currency you have will remain the same, meaning that the money you have is also at risk of not producing profit.

If you put money in bitcoin, then the potential for achieving ATH will generate big profits, why should it be ATH because we ignore a bit of bitcoin volatility patterns, so it can be concluded that placing money in bitcoin is far more potential, than placing money in bank savings which not making a profit in the long term, draft this relates directly to precision as the idea of investment that you are trying to talk about.

We’re undergoing massive economic troubles that could very well flip the whole economy over, royally-fucking us and everyone with liquid assets in  ???their bank, so I don’t really advise bank investments right now or any other form of stock except if you’re looking to short trade as a lot of them are just downright red nowadays, and banks are on the verge of collapse no thanks to their own greed. Bitcoin seems to be the most plausible solution/option hut if you’re looking for fast profits you might wanna redirect your gaze elsewhere. As of the moment there’s no concrete reason for bitcoin to increase in value and so it’s sitting nicely on its 27k bench waiting for the bull run  or a better reason to increase value at least sustainably.

Have you tried looking into gold, silver, and other precious metals? How about real estate? The latter might be in a tough spot right now but these are all time great ventures if you don’t know where to invest

Sure, we learn from others mistakes, and based on what one has known so far, it's not really wise to put all our eggs in one basket. Sure, Bitcoin is really a wise and profitable investment for most people, although not everyone has benefited from buying it. For some reason, most people bought when the price was very high, and due to the panic of losing their asset, they sold off so fast and even incurred some losses. But those who understand Bitcoin so well will hold their coins until the bull market comes and they make some profits. But normally, when one gets a well-paid-off investment, it creates much opportunity to invest in other places, but if the person has some fixed income, they can also invest in two platforms (Bitcoin and business or buy some shares), in as much as I Don't keep some heavy lofty of money in the bank because am into business dealings, it doesn't mean I don't keep fiat. One of my boss would always say that, sometimes, "something that one sees as a sustainable income may not really be what it is in some scenarios."

Actually, both of us need each other, but the decision to save money as a Bitcoin investment or a bank depends on you and where your financial goals are going. If you are prepared to face high volatility and risk for and want to look for big profits, I think Bitcoin will be the right choice for you. However, if you're more comfortable with slightly lower levels of risk than bitcoin and keeping your money safe, keeping your money in a bank may be a better fit. However, it does not guarantee either because of the risk of bankruptcy and inflation.

For me personally, it's better to save money at USTD, apy 8% for an emergency fund. The remaining crypto BTC, ETH and BNB 10% per coin per month of earnings. because if you save at the bank there is no greater profit than bitcoin, on the other hand the two also have risks even though the levels of risk are different.

I'd go for Bitcoin Investment no matter the risk involved, cryptocurrence are not vulnerable to theft since their transactions are recorded on a public ledger. The transaction of Bitcoin do not require intermediaries such as banks or financial institutions.
Bitcoin has the largest cryptocurrency by market cap and it is risky in investment with high volatility.
Using banking investment is like every eyes is on you so I'd prefer going for Bitcoin Investment not minding the risk involved, just time and patience.

Bitcoin and banking investments are two different kinds of investment options, both have different benefits and drawbacks. As a digital currency Bitcoin operates independently and is decentralized which means it is not controlled by any government entities nor financial institutions. Bitcoin has the potential for high profits but it is too volatile and risky. Banking investments on the other hand is more typically more stable and less volatile than Bitcoin. Banks offers a wide range of options like savings accounts, loans, credit cards, mutual funds, time deposit etc. But banking investment offers much lower rates of return and considered to be much safer compare bitcoin. The choice on which to invest would depend on the indivual if they are willing to take risk for much higher profit or if you want a stable but lower interest rates.

I understand that investing in bitcoin and other cryptocurrencies carries more risk than saving money at the bank. The value of bitcoin can fluctuate visually and is not suitable for those who want to invest with a low risk threshold. As far as the value of fiat currency is concerned, there is a noticeable benefit in saving money at the bank, although the interest rate is not high but there is a lower risk. Investing in bitcoin or saving money at the bank is a personal decision. Need to analyze the benefits, risks and own investment experience to make a reasonable and appropriate choice.

Why don't you choose both? According to your analysis, both have advantages and disadvantages, so using and combining both is best. You have both safety and can maximize your profits. Moreover, diversification is a good thing to not trust too much in a single asset, whether a bank or bitcoin. Everything has risks, and nothing is perfect or completely safe. I am still using both and quite happy with them, bitcoin for long term investment, bank for savings and short term funds.

Just like we have been seeing that the fiat currency is fading out gradually and having no much value like it used to be since the introduction of Bitcoin. People had been complaining of the problems they do face on a regular basis to send there money to whatever source they wished. The bank issues and tax had made people to look for a more convenient ways to make transaction without the bank coming into it.

 Bitcoin had break so.many rules and make things easier for us to send and receive money without delay or the government questioning us for the reason why we want to make the transaction. We are now getting to the full era of cryptocurrency and it's not gonna take much time from now.

Well, I will always choose bitcoin, but then, it's not a bad idea to also diversify your investments to other investment sectors, not particularly keeping your money in the bank, but investing in assets like buying shares, precious stones like gold and diamond , investing in lands and properties - this is the same as real estate and so on..

For me currently, I have most of my investments in bitcoin, but like I said, I don't have to depend just on bitcoin, I also have small amount of monies invested in several other sectors of investment like I mentioned above.

It is essential to maintain a certain balance in your bank account to cater to your daily food shopping needs at supermarkets that do not accept Bitcoin as payment. As long as the distribution of Bitcoin remains uneven and it is not widely adopted as a legitimate means of payment according to regulations in certain countries, it becomes necessary to have a sufficient ATM balance in the bank. Paying for groceries with gold or stocks can be quite challenging. Therefore, it is advisable to possess an adequate amount of fiat currency to cover your daily expenses, including food.

Considering that you have a larger portion of your wealth in Bitcoin, it is understandable that you prefer investing in higher-risk assets. However, have you considered exploring other opportunities within the cryptocurrency realm, such as altcoins? They come with increased risks, but the potential returns can be equally rewarding.

Here in the forum you will get many replies they choosing bitcoin, that is for sure. If you ask this question in a bank, the answers will be different. Maybe the bankruptcies of the silvergate bank and a few others, a few people will change their minds, but I dont think there are many. We here in bitcoin we trust.

It all goes back to the original concepts in economics and belief systems according to each perspective. As long as it is in bitcoin basically it can be said to be more promising regardless of the risks faced, it is definitely great, so it is not wrong to do that.
But on the other hand, in this case I also agree with what you said about diversification considering that this is also important because indeed we have to make a little other options if one does not go well. as for banks I prefer to save there because indeed at this time fiat is still very dominating for needs but not in investment because indeed it is only to meet my daily needs in this case.

I on purpose did not include this important aspect because I personally believe that is is common sense to already know that in what ever you are investing, It is highly important to leave a good amount of money in the bank as savings for basic needs of the now and future, and a means must be made available through which the bank balance must be topped up regularly, in order not to run out of money in times when an emergency hits suddenly.

Yeah of course, when I said bitcoin, I actually meant bitcoin and altcoins together, this is a bitcoin board and I usually try to avoid discussing altcoins here, but yeah, I do have investment in bitcoin and also in some altcoins I feel got great potentials.

No need to chose actually. You could invest both in bank and bitcoin if you want. But make sure that you won’t put big amount of money sleeping in your bank account, their interest are just too small for that. Furthermore, invest in bitcoin at your own risk, at an amount that you can easily manage to lose. Know that volatile investments like bitcoin do not give us fixed profits, and it could be losses at some point aside from profits, so always invest within your means.

If we wanted to maximize the profit, choosing the one that gives more profit should be the choice and from the option, Bitcoin investment gives way more possibility to earn more money than banking investment so I would choose Bitcoin investment.

Time-wise and profit-wise, Bitcoin gives more, especially at the current phase of the Bitcoin cycle where the bull run is almost at the door.  Choosing Bitcoin will definitely give the more profitable venture of the two.  Forget banking investment and all-in in Bitcoin investment for maximum profitability.

It is obviously not possible to keep everything you have in Bitcoin since we all know that Bitcoin cannot be used for daily expenses yet and we will again need to convert some of our Bitcoins to fiat if we need to spend them and we will definitely need to do that on a daily basis, so yeah, it is not viable to not keep fiat at all only for this reason.

I don't agree that someone should invest in altcoins if they are thinking long term, altcoins can surely provide more profits but they are not good for the long run, if you are making short term trades, go for altcoins for sure.

I don't think putting all my money in bitcoin is a good idea. If investing in bitcoin is definitely profitable, as you say, then I don't just use all the money I have. I will borrow from the bank and even sell all my assets to invest in bitcoin because the profit bitcoin brings is many times the bank interest rate. But things are not so simple, high returns come with high risks.

We are approaching the halving, and everyone expects the bull season to come after that. But just hope and prediction, no one can guarantee it will happen 100%. Honestly, it would be a bad idea to invest it all in bitcoin. It's gambling, not investing.

that is true, if you have the means, you can very well put aside money in both. we all know that it is more of security purpose why we are depositing in a bank, not because of the interest as it is negligible in amount. when it comes to bitcoin, we are hoping that it will give higher return if we are lucky with the price increase. the good thing about depositing in a bank is that we are secure that when we wake up next day, our money is still intact, whereas, with btc, it depends on how the market behaves and when will you cash out.

That’s it. You could save a good amount of money in a bank while you are still investing with bitcoin in the long term. But my advice is that never invest all your hard-earned money, let half of it becomes your personal savings and save for emergency funds as well, and maybe half of it is for your investment. As for investment, do not just focus on bitcoin but learn to diversify too. Invest in gold and stocks as well, but put a bigger portion for bitcoin.

Although it is quite difficult to choose but the decision to invest in a bank or purchase gold depends on various factors, including your financial goals, risk tolerance, and market conditions. Investing in a bank typically involves depositing your money in various financial products such as savings accounts, certificates of deposit (CDs), or money market accounts which has marginal profit but has the safety.
   While as Gold has been seen as a hedge against inflation. Unlike interest-earning bank accounts, gold doesn't generate income. But it is also important because day by day its importance and value is increasing. When you consider the current environment, Bitcoin has a tremendously strong influence which you cannot ignore. If you fully understand it, it will be more profitable. So in my openion, be a part of Bitcoin community and earn more.

Yes, totally agree with what you mentioned, however I would like to be more honest about my behavior after many years of exposure to this market. Maybe making profits, then stabilizing them and then making profits again, it seems to be a loop in investing sometimes I look back and find myself so complicated but clearly spend the investment journey and everyone's perspective and our life is different so it's not possible to come up with a completely right or wrong opinion, it's just how we adapt to everything.

Having some sort of diversification is the best choice than just getting all your earnings into something specific. In such case, sometimes people get lucky to make huge revenue. Most of the time this is high risky whereas diversification on investment lower the risk. My way of investment is much on gold and the rest into bitcoin and other cryptocurrencies. Gold have got proven track record and the history that never lets the value fall. With bitcoin the growth in short period after its existence as well as the growth it could offer to the investors I prefer it.

I will choose bitcoin than banks, because in bitcoin we are the one who hold the money while in banks our money is in the hands of the company and they will gain a bigger profit than what we receive, because banks offer a loan and lending business with a bigger interest rate than what we get from what we have deposited meaning they earn big from our money and we as the owner earn small amount very sad truth.

One of the more common myths about the modern banking system is stability and lower risks.

It would be a good time to remind everyone who has money at a bank that your bank likely follows the fractional reserve banking system, which would allow for the vast majority of deposits to be swept away in investments the banks deem to be prudent. You have zero say in any of these investments, and if for any reason some degree of confidence is lost on the institution and depositors decide to withdraw, there will be liqudiity issues and either you or another depositor will be out cash. Since COVID, all U.S. based banks are not required to keep a single penny of user deposits on hand. It used to be they were required to keep 10% of hand (which is too little to begin with), now it's zero. For all this risk, you're given a small interest payment. Since depositors are entitled to their deposits, in the event the bank collapses, any investments returns go back to the depositors, profit is wiped away completely. Say you have 5k invested at a bank with a fixed interest rate promised by the institution, and a run on the bank occurs. Due to fractional reserves, the bank has little cash on hand. What happens to your investment when everyone withdraws? Perhaps think twice before relying on banks for investments or to hold your cash. They can act reckless by inherent design of the system. They aren't stable/secure.

Logically Bitcoin and Banks are not investment platforms, and where the Bank is a fiat money depository whose quantity remains the same in the sense that the money will not change if someone has never changed their savings at the Bank, meanwhile Bitcoin is one of the currencies digital decentralized which we prefer with these systems, where they are not under the control of any government or authority.


To be honest, I prefer to do both, although the main attraction is investment because even so, saving is also needed because when in an urgent situation, of course, we will definitely need money quickly in a short process, because of this I also save money at the bank, because remember later I will also use it for purposes of course. but those who invest in Bitcoin we still prioritize it.


And to be honest we prefer Bitcoin, basically both are equally good and have the same popularity and quantity of users, but here I am more interested in Bitcoin. besides the Bitcoin system is much better than the bank and this is in my opinion, Bitcoin has a fluctuating nature where its value can change, and from here it can be used as a perfect investment place in my opinion, and Bitcoin has a price that is unique and far compared to the others, to be honest we at least get a little advantage from Investing assets in Bitcoin.

The bottom line is that the potential investor must be well-educated about the investment be it Bitcoin or bank, and if this is well satisfied, then there is no way the Bitcoin investment will not be better than investing in banks. Nonetheless, some people might still want to diversify their portfolio, still, banks are mostly repeaters, they will use your money the way they want, gain more and still give you a peanut of the gains which might be between 6-10% in most cases depending on the package of the investment.

But with Bitcoin, you can gain multiples of your investment in a few years and handle the whole investment yourself. Only that you have to be sure to be accurate in speculation and get to always start the investment when Bitcoin just completed a bearish trend (Bullish reversal time).

In my own personal view I think if I do investment on bank then I have save my savings by fiat currency. And if you look at the current situation then you will see that the inflation rate on fiat currency is becoming huge day by day. So I think putting your fund on bank for savings is just a process to decreasing your asset value.
It is not that there is no risk at all in Bitcoin investment, and the only risk on Bitcoin investment I think that is the volatilities of Bitcoin price. But if a proper investment can be made for the long term after analyzing well, I think these volatilities will be its biggest strength. So by looking at the above comments you can understand which one I will choose bitcoin or bank. I think bitcoin will be best for investment from the all aspects.

Bitcoin is an independent currency.  Here you can invest as per your wish and withdraw as per your need.  Others take it as a goal.  He leaves until the goal is met.  It is only your freedom.  It is as easy as it is risky.  You should choose your own thinking and research style at all times.  Then success will come.  On the other hand, keeping money in the bank is safe, but you will see how the value of your money decreases through inflation.  If you keep money in the bank, how many rules do you have to follow?  Again, the possibility of bank failure remains.  So I think keep some money by investing in Bitcoin.  Will come in time.

Investing in bank platforms is a very poor form of investment, except you are investing in billions and then doing compound investment, because generally, their interest rate are usually very low.
Investment in BTC as you have rightly opined is very risky an volatile, but then you could hit a gold mine if you are patient.

I would like to agree with you on this point that the best part of Bitcoin is its security, especially its peer to peer system. It gives us the security of our fund and make independent our fund from the custody of bank system. Even then look at a bank how much highest apr you have got from bank 10% or more ? On the others hand if you looks at the ATH of Bitcoin it is also really far from my current situation so if you invest on bitcoin then you can also gain a good profit from this.

I prefer bitcoin.
I can control it, buy and sell instantly and still make a profit. No need for too much waiting process when withdrawing your money
Always see where your money is

In terms of security, I favor banks, but for investment purposes, I prefer Bitcoin. I didn't claim Bitcoin isn't secure because if you understand Bitcoin and know how to utilize it, your funds are incredibly secure. Because I believe Bitcoin's price will not go to zero, I will not be frightened to invest all of my cash in it. If you just understand how to analyze the market, your chances of making a large profit are very great. Just like what happened in Binance a while ago, as a trader I believe it's a manipulation, which is why I bought some shortly after the price decreases and earned.

Investing in BTC really has nothing to regulate, the point is that it is independent, even though investing in BTC is something risky, for those who invest in BTC there are good opportunities for the future, but in this case it is up to us whether to invest in BTC or not.
because investing in btc is high risk so it would be better to just use money that is ready to lose.

but investing in a bank certainly doesn't have a high risk, but our won't get huge profits because investing in a bank is different from investing in btc.

I agree with you we all need to do our own research first before do any kind of investment, If some people like the safest option and don't like volatility then the bank will be go to place, but if people like double APR then bitcoin is the best option.

Although some of bank only give you not more than 4% per year, but today inflation is spiking is more than 5% at lot of country. So do the math guys heheh

That’s a complex question with pros and cons for both options. Here are some key considerations for comparing Bitcoin and traditional banking investments:

• Risk tolerance - Bitcoin is a much riskier investment than traditional banking options like savings accounts, CDs, or bonds. Bitcoin's value is volatile and can fluctuate significantly. It is not a guaranteed return. So consider your risk tolerance and investment timeline.

• Reward potential - While riskier, Bitcoin has the potential for higher returns than traditional banking investments. Bitcoin has seen returns well over 1000% in recent years. However, there are no guarantees and prices could also crash.

• Liquidity - Bitcoin is less liquid than bank investments. It can be difficult to quickly sell large amounts of Bitcoin without significantly impacting the price. Bank investments are very liquid and easy to sell.

• Regulation - Banking investments are highly regulated and have more consumer protections. Bitcoin is less regulated and has fewer protections if exchanges or wallets are hacked or fail.

• Fees and convenience - Banking investments typically have low fees and are convenient to manage. Bitcoin requires trading fees, security and storage considerations, and can be less user-friendly.

• Diversification - A balanced investment strategy that includes some exposure to both traditional and alternative assets like Bitcoin can help diversify your portfolio and reduce overall risk.

• Volatility - Due to speculation and its nature as a new asset, Bitcoin tends to be much more volatile than traditional investments. It is prone to large price swings over short time periods.

In summary, Bitcoin has the potential for higher returns but comes with significantly more risk. For most investors, a combination of traditional bank investments for stability and some Bitcoin exposure for growth is a reasonable strategy. But Bitcoin should only be invested with money you can truly afford to lose.

Hope this perspective helps! Let me know if you have any other questions.

It's simple, Bitcoin and banks are both investment options, but they have different characteristics. Bitcoin has a high potential return but comes with a higher risk due to its volatility. On the other hand, banks offer more stability and security but usually provide lower returns. If you prefer the potential for high returns and are comfortable with risk, Bitcoin may be an option. However, if stability and security are your priority, traditional banking may be a better fit.

Bitcoin is a popular currency in today's world. Here everyone can earn money by investing with little capital. But on the other hand you need a lot of money to invest in the bank which is not possible for everyone. By investing in the bank for a long time then a fixed profit is obtained. In that case Bitcoin is totally different. Here you can invest daily and earn daily which is much better than investing in bank. I think it is better to invest in bitcoin than bank.

Anything you want to do in life has advantages and disadvantages if you want to invest in bank or crypto, bank are just place to save money and being charging you with your on money in the bank if what to transfer or withdraw but anyway that is their profit they earn from you, and you don't earn anything with them is just to borrow your loan and put there on interests again, is better I go higher return because crypto is less regulated, more volatile, and ultimately, a risk 8).

Both in banking and bitcoin they have advantages and disadvantages from their respective angles depending on the conditions we see.
But indeed in this case when there are risks, of course there are interesting things in it that are the attraction for bitcoin to date.
Volatility is something that continues to be discussed and considered but that is precisely what makes bitcoin even more attractive to be used as an investment asset if you look at it from my current point of view.
Of course, it is still 50/50 when it comes to speculation because there is no absolute confidence that being in bitcoin will really be profitable but in this case as long as the probability shows that then I think why not.
Banks have their own systems and have their own markets with people who love them so in that sense I wouldn't consider them bad either just that I wouldn't be under their control.

In my opinion, you are mistaken about investing and saving. The magazines show that bitcoin is the most profitable investment, surpassing even the kings of securities in the world. If it were me, I would put 50% of my capital into this market.

Opportunities that provide profits from Bitcoin even though it is at a risky stage someone who is involved in crypto currency will certainly choose Investment in Bitcoin when compared to any other place, Bitcoin has a fluctuating nature and from here investment opportunities are very large even though he is under pressure I don't think the risk is too significant.

Sure, bitcoin may have its charm as an investment asset, but let's not overlook the fact that it's still largely driven by speculation. It's like playing a game of chance, hoping that the odds will be in your favor.

The current banking system has proven itself a disadvantage and a pillage to the funds of people under their control with no tangible interest to these funds owners be it perennial or annually that couldake a difference in their life. We talk about risk on bitcoin using it as an excuse to condemn the profitable feature of the digital asset as an innovation that has come to liberate and put people in charge of their funds without external intrusion on how and when to access or make use of it.
 
The profit embedded in bitcoin can't be overemphasized and that depends on your investment and trade plan towards it that's why it's sacrosanct everyone delving into it is heavily advised to acquire a deep knowledge of how it works before indulging as to not end up having a wrong impression about the digital assets as a result of his ignorance towards it.

one of the advantages of investing in bitcoin is fast returns and high profit increases, so it is very natural that many choose bitcoin to invest even when the risk is very large.
there are many people out there who dare to take risks, even the majority of crypto users tend to be brave enough to take risks. Until now, maybe there are still many people who choose to invest in banks because of the small risk and good security. however, it takes a large investment to get not so much return each year. whereas in bitcoin investment, even investments that are not so large can provide enormous profits.

Strictly speaking, it is impossible to say better banking or better bitcoin, it depends on our needs and desires. If we are willing to take risks in search of higher returns, then bitcoin is clearly a perfect choice. But if you do not want to take risks and are satisfied with low interest rates, banks are the choice. But why don't we choose both? No one forces us to choose only 1, and if combining the two is both safe and can be hugely profitable, why not?

Banking investment is really the traditional one, mostly. I've heard this is from those people, like old people, who are going to like time deposit their money, and they said they really gain profit, but again, we know it is low, but they take into consideration that it is less riskier, which is true. But when bitcoin arrived, mostly those in Gen Z, I've noticed they want the riskier one, like investing in bitcoin. You are right, we can do both as long as we know the risk, and this is better so that if one fails, you still have backup funds.

Bitcoin. Aside from the potential profit if you invest for long term, it is much safer (if you use a non-custodial wallet) because you're the one in control as long as you keep your keys securely. On the other side, you can't grow your money in banks due to the very low interest even you keep it there for years. So it's not really a good investment if you want to gain huge.

Anyway, for many of us who used to the movement of Bitcoin and aware of how it works, we know it's worth it even it can take a long period before we can see the result. Of course it's not guaranteed so one should be prepared for the outcome and only invest what you can live without.

Risks, of course, must be distributed, but in my opinion, a bank is a very bad option, since the yield will be too low, below the inflation rate, and in the end you will simply lose more than you earn. If you want to divide, then it is better to divide into real estate, precious metals and other more reliable investments that you can control yourself, without the participation of a third party.

In my opinion, depositing money in a bank is not an investment but savings because the interest it gives us is insignificant. Meanwhile, high volatility bitcoin is more suitable as an investment, and already an investment, there will always be a risk.
Also, you said that investing in bitcoin has no guarantees, so it cannot be said that bitcoin is safer than a bank, even if you use a non-custodial wallet. You can fully control your assets with bitcoin, but you can't be sure about its future. So both are at their own risk, it is impossible to say who is safe or better.

When you are only affected by speculation then what is the point of you multiplying learning and researching bitcoin if until now you are only still focusing on existing speculation.
Such actions actually make you half-intentioned and easier to lose. In this case we must realize that we study bitcoin is for self-strengthening to be more confident, when indeed you still expect speculation it means you are not learning this well.
We know the risks that are here and we can also see from the progress that is happening now like what so in this case it depends on readiness whether we are ready to be in bitcoin or not because if only talking about speculation all can do that.

I agreed with your opinion. Bitcoin and traditional banking investments have different terms and scenarios. Bitcoin offers decentralization, quantitative supply, and potential for high earnings, but it also have several risks. But, in the banking investments, on the other hand, provide stable, controlled environments, and  investing options, and have  offer lower returns. Bitcoin's appeal  its potential to disrupt financial systems, while banking investments appeal to individuals seeking stability. Ultimately, the choice depends on individual risk taking ability, investment goals, and understanding of the respective markets. Diversifying both options may provide a balanced approach, but also depends upon the capital you have and interest of investment. 

I have been in Crypto World since 2014 and therefore my investments are only related to Bitcoin and other tokens. There is more faith in them than in banks. I do not really welcome the centralized financial system. Moreover, the level of reliability of banks in different countries is different.

Your post became almost confusing from the very girst statement with you having to compare banks and bitcoin in the context of an investment. Banks and exchanges could be seen for a financial institution and as well, an investment but the case is different with bitcoin. Although, bitcoin do serve investment purposes, it is girsgly a currency.
I think what ought to have gone is banks as against wallets or exchanges while, we could always compare or have to bring fiat and bitcoin to context. Them both are the medium of exchange for commodities bought or sold and services rendered.
Hence, why do I have to pick otherwise. I go with bitcoin every other day but, that doesn't mean I won't run some operations with fiat.

Banking investments are good, but the problem is that it is associated with the government and has to abide by all the rules imposed by government. In this manner the government and banks have access to your funds and they put restrictions on it. Like you have to follow a certain rules and regulations for the investments. On the other hand Bitcoin’s decentralised nature helps us to invest in many directions with variations. And here we are the boss and we only have complete access to our funds and investments. This is why, I would love to invest on BTC at any time, rather these Bank investments.

Although it is quite difficult to choose, the decision to invest in a bank or purchase something else depends on various factors, including your financial goals, risk tolerance, and market conditions. Investing in a bank typically involves depositing your money in various financial products, i.e., savings certificates, accounts, fixed deposits (CDs), or money market accounts, which have marginal profit but have safety.
While Bitcoin has been viewed as an inflation hedge. Unlike interest-earning bank accounts, Bitcoin does generate income with your investment. The value and investment in Bitcoin are increasing day by day. When you consider the current environment, Bitcoin has a tremendously strong influence that you cannot ignore. If you fully understand it, it will be more profitable.

Access to any bank in a country where we invest money is directly in the hands of the government ie every country has a central bank that central bank usually manages all the banks. If you invest more money in the bank then you have to pay tax to the government every year from that fixed amount. Another thing is that if the government ever doubts you about your money, you may have to account for all your money, which I think is very harassing. But there is no such problem with Bitcoin. Investing in Bitcoins will not leave anyone else with access to that investment. And investing in bitcoins is more likely to be profitable than in banks so it is better to invest in bitcoins than in banks.

Bitcoin is the most stable and valuable cryptocurrency, and Bitcoin transactions do not require the use of intermediaries such as banks or financial organizations. I prefer to invest in Bitcoin since financial institutions have begun to offer Bitcoin investment services to their clients. Why invest in a bank when Bitcoin is available, which makes it more secure than a bank?

In addition to the fact that we will have full control of our assets, investing in bitcoin will also give us a much higher return than depositing money in a bank. But the higher the return, the higher the risk, the risk of investing in bitcoin is huge, greater than any other investment. So it is also not a wise decision to invest all of our money in bitcoin and only think about the profit and forget about the risks that we may face. In my opinion, diversification is the right thing to do, deposit some money in the bank for emergencies, hedging, and the rest invest in bitcoin to get bigger profits.

all clearly cannot avoid saying that bitcoin is a renewable technological advancement for investing, where development is very fast and preferred because it is clearly very profitable. You are right, if you compare any products issued by banks it is clear that investing in bitcoin is much more promising. but it must also be understood that there are still many banking products that are still needed and even still in use because not many can accept bitcoin for all transactions, because there are restrictions from the government.
if indeed in a country that has legalized bitcoin for transactions, of course bitcoin is the best choice.

Bitcoin is a digital currency that works by blockchain technology. Its price may fluctuate with in short of time. Bitcoin is an alternative investment system and has gained popularity among people. Many people believe Bitcoin has higher returns, but it also carries higher risk than banking investments.

On the other hand, banking investments are usually savings accounts, or deposits or bonds etc. Bank offer less risk than Bitcoin, but may also offer lower returns.

Whether to invest in Bitcoin or banking is entirely up to you.  Bitcoin is suitable for those who can take high risk and make long-term investment decisions. For those who want to take less risk, banking investment system is very good .

Whatever platform you decide to invest in, always consult with a qualified investment advisor. They will provide personalized guidance based on your specific income or financial situation and investment goals.

I think there is a big difference between investing in a bank and bitcoin. If you keep money in the bank it never decreases and you get a fixed profit every month. You will get profit on the money you invest. And if bitcoin price goes dumping you will lose a lot of money you invest. So I think there is a big difference between investing and keeping money in bank.

it cannot be said that investing in bitcoin is better than investing in banks. but also, it is not safe to invest in a bank, your money will never decrease, but its value will decrease, I mean, inflation is increasing every year, and with the interest that the bank pays, you will not have enough to cover losses when inflation eats away at your money.  While bitcoin can be highly profitable, there is also a huge risk that if the market has bad news, the value of bitcoin will drop a lot.  and if we need the money urgently, we won't be able to use it.

For me i would choose both Bitcoin and banking investment. Both have different advantages and disadvantages, and the choice would really depend on your financial goals and risk tolerance. Bitcoin is a decentralized digital currency that operates on a peer to peer network without the need for intermediaries like banks. Advantage of bitcoin is that it offers potential for high returns due to its volatile nature. This also means investing in bitcoin carries a high level of risk, as its value can fluctuate rapidly and unpredictably. For Traditional banking investment it is considered more stable and less risky than bitcoin. Banks offers different kinds of services like savings accounts, credit cards, mutual funds etc. It can provide a steady returns over time. Investments in bank typically offer lower returns compare to bitcoin. I choose to invest in both because i have financial goals on both investments.

It's okay not to keep all your investments in Bitcoin, always diversify your investments. Just as there is risk of loss due to high volatility in the price of Bitcoin, the profit margin due to volatility is also higher , but this does not mean that people will leave the banking sector  and start all their investments in Bitcoin.

Investment in the bank gives you a lot of offers which are quite helpful in day to day use. Bitcoin investment is a long-term investment whereas banking system is something you need in your daily life and all the time. both are very important in our daily life but still less people are aware of Bitcoin compared to Bank. It is the responsibility of all of us to create awareness and inform people about Bitcoin.

    -   Now that I know about Bitcoin or cryptocurrency, obviously I prefer to put my money in Bitcoin and not in the bank. Money can only be saved, why only with low profit when there is something else that can grow money a lot and that is bitcoin. Although there is also a risk in banking, especially if there is a problem with inflation in each country.

Bitcoin is proven and tested when it comes to long-term investment and there is a lot of profit here, although the risk associated with it is its volatility, but for me that's okay.

Bitcoin or the good old bank? Seems like you're straddling the digital and traditional worlds! But envisage a scenario where crypto is king, and you're still attached to old-school banking investments. A bit crazy, right? Bitcoin - you've heard of the saying, no risk, no reward! The absence of middlemen, the freedom in the digital monetary space—feels like breaking free from traditional financial chains, no?

While I get the appeal of the solid ground that banking offers, always remember, smaller risks yield smaller gains! Is that a trade-off you can swallow? Choosing to spread your investment over both? Well, that’s a smart, measured move! Yet, don't you think Bitcoin's towering growth potential far overshadows the incremental yields of traditional banking investments?

Investment in bank is safer than Bitcoin but the profit from investment in bank is very less and if you invest in bank it takes 12-13 years for the money to double.  But if you invest in Bitcoin it is possible to make 2x-3x money in 1 year.  So I think to keep pace with that digital world we need to focus more on digital currency.  So bitcoin investment will be much better than bank investment

Yes if Bitcoin can be invested at the right time we can get good amount of profit within one year. But if money can be kept in bank then we will not get much profit. So if we want to get good amount of profit then we have to invest Bitcoin. If we keep the money in bank.  In this way, our money will be safe. If we invest Bitcoin with this money, then our money will be at risk. The market of Bitcoin fluctuates sometimes, so our money will be at a little risk.

Personally, I'd go for a mix of both. Bitcoin can be risky but offers high returns, while banks are safer but have lower interest rates. So, I'd put some money in Bitcoin for potential growth and keep the rest in a bank for stability and easy access. It's about finding the right balance that suits your goals and risk tolerance. But hey, I'm not a financial advisor, so it's always good to seek professional advice too!

Depending on which bank and in which country you live. Private bank or state. A lot depends on this.
We should to understand what the goals you want to achieve. If you want to invest in long time, I'd say that bitcoin is better, than bank. If you need to save your money for a short time, maybe the reliable bank would be better, because bitcoin price can be grow or fall and we don't know it for sure. So, we need to know your aims, a lot depends on it.
Neither bitcoin nor bank not will reliable for 100%. Both have their downsides. The bank may go bankrupt and the volatility of bitcoin has not been canceled
It's just my point of view.

Both investment options are profitable. Although, as they have their pros, they also have their cons, like how Bitcoin is risky and money saved in the bank can still be affected by inflation when inflation increases more than the interest on the amount saved. I'd pick Bitcoin though but I wouldn't advise anyone to lean solely on it. There are a lot more valuable assets an individual can own.

I don't understand this type of threads in this forum. We choose Bitcoin because we don't trust banks and governments. One day they may confiscate all your money and you can't do nothing about it. You can't even withdraw your own money without letting know the bank one day beforehand. You better put your savings in your cold wallet if you want to control your own money.

Bitcoin.
I am not sure if someday these news will happen to the local banks that I can choose to keep my money.

Lebanese cannot access money in banks since late 2019 (https://www.aa.com.tr/en/economy/lebanese-cannot-access-money-in-banks-since-late-2019/2158782)
Unrest, Protests In China As Banks Stop Customers From Withdrawing Money From Their Accounts (https://www.news18.com/news/world/unrest-protests-in-china-as-banks-stop-customers-from-withdrawing-money-from-their-accounts-5263717.html)

That's why bitcoin works perfectly as both. As an asset and as our own bank for which we can withdraw it anytime we want from our wallets.

I can say both Bitcoin and banks have their pros and cons, and there's no one size fits all answer. It's all about finding what aligns with your financial goals and risk appetite, gl dude.

Bitcoin is considered better or suitable investment that will largely depend on an investor's perspective. It is common for someone else to consider something negative or positive. But if one does not deny the possibility and reality of the future, then surely he will give importance to Bitcoin.

Bitcoin is a cryptocurrency that is completely decentralized. which has no control. In the traditional system the bank is controlled by the central bank or the government of that country but Bitcoin is not controlled by anyone. An investor is completely safe in this case. It is a great tool to protect against inflation. Bitcoin has good acceptance in the world, so there is a chance to get high returns if someone invest.

Normally for money transfer a bank requires the help of a third party which is not required in Bitcoin. However, the positives are mixed with some negativity. But overall I think Bitcoin is better than bank investment.

Bank savings is not an investment unless you have your entire  balance in a fixed saving plans and left untouched for a long period of time to generate certain percentages that are minimal around 10% to 15% highest.
So that can't be compared to Bitcoin which is an asset that has high volatility and in most cases it chart has moved in a particular direction that has perceived to be more up trend than a downtrend and what that mean is that the possibility for Bitcoin to make uptrend price movement is higher than the possibility of decline lose price. So ultimately Bitcoin is a more favorable investment tool compared to bank savings

don't forget about inflation. although you get little percentage of interest but you cannot avoid the inflation as long as your fund is in form of fiat. it is just my personal opinion but I don't really feel the risk of investing in bitcoin. before I  become a day trader I just a long term bitcoin holder. Sometime I put some amount of my btc in local exchange and leave it for 6 to 12 months and there is nothing bad that happen. I just see my money value grow.

of course when talking about investing in bitcoin it is more profitable than keeping it in a bank, an increase in bank interest rates is nothing more than an increase in inflation that occurs, but by investing in bitcoin, the increase in value is many times more than the inflation that occurs. therefore, while bitcoin has not been used by many people, the opportunity to invest is very large, moreover, bitcoin adoption is growing and that is the opportunity we should take advantage of

I chose Bitcoin. Because in the country where I live, inflation is increasing day by day. So at this time I think it is better to invest in bitcoins than keeping money in our country's bank. Investing in Bitcoin can protect against inflation. So I invested in Bitcoin considering all aspects.

It's a pretty simple choice for me. BTC! Because I like popular cryptocurrencies like BTC, USDT etc way more than traditional FIAT currencies and I am prepared to take higher risks in this case.

I would store them in secure hardware wallets like Trezor etc instead of leaving them in exchanges.

FIAT is more secure for sure and you stand to earn stable interest in the long-term, but popular cryptocurrencies like BTC could potentially help you earn way more as long as you know what you are doing.

this depends on the user himself. banks can give you assurance that your fiat money won't disappear overnight. but the interest is almost negligible. the reason you will be storing your funds in the banks is for security purposes only not because you are aiming for the interest that it may earned. however, if you want a more thrilling action, you can explore your options with bitcoin or other alts. however, you should know the risks involve because the price movement here is very fast. so if you are looking for long-term, you should opt for top alts esp btc. this question is appropriate for crypto holders. because those noncrypto users, won't bother about btc market as for them, they feel safer to have their money inside the banks.

I always prefer to invest in bitcoins because I think investing in bitcoins is safe. Investing in bitcoins will never cause inflation. So I prefer investing in bitcoins than keeping money in banks. Keeping money in banks can cause inflation.  So I don't keep money in bank. But I have made good money by investing in bitcoins. I invest at right time and sell bitcoins at right time. I get good amount of profit every month.

Let me discuss this as an investor and not a random person, both (Bank and Bitcoin investments) could be useful if planned rightly. Although if you are the type that knows how to speculate on Bitcoin very well, you might be able to hold the Buy and Sell positions on your wallet and spot platform interchangeably depending on the trend of the market. By doing so, you will amass a lot of money in just a year. But if you are such that would pump and hold only, then both Bank and Bitcoin investments are what I advise together, only that you would be wise with the investments.

You can see that there is no general approach to this, there are times that Bitcoin will perform well and the investment would worth it (strong bull run moments and season of long-term bullish trend) and there are times that Bitcoin will frustrate your investment (long-term bearish trend). As an investor, one could invest in Bitcoin during the strong bull run season that is long-term, and invest in the bank or elsewhere during the long-term bearish trend.

After all, this is a win-win approach.

In my opinion, we invest in bitcoin to hedge against fiat devaluation and seek wealth, but not really we are looking for the safety of investing in bitcoin. Investing in bitcoin is risky and there is no guarantee that it will always be profitable for everyone, I would doubt it if someone claimed bitcoin could give them a monthly profit.

@rikybrosh: you were wrong in deciding to invest in bitcoin to avoid the potential risks of depositing money in a bank, but you chose to keep your bitcoins on centralized exchanges for such a long time. Is that any different than you depositing money in the bank?

One instance is inflation once you store your money in those banks, they give you a below 3% annual rate of interest that takes a lot of time and needs tons of money to feel the profit, additional is inflation if you invest your money in banks sooner or later the price of the goods goes up but your money still as is in the bank, instead of the cryptocurrency or the bitcoin investment you have the chance to gain profit due to market volatility but of course more way risky than the stable investment with the centralized banks. Your choice willing to risk or not still at the end of the day both sides have cons.

When it comes to financial sector, has to deal with mindset, knowledge and information one need to invest through Bank or Bitcoin platform, which is the reason why many people choose Bank and see Bitcoin as a risky business (Investment), because them no have the knowledge, but rather them prefer saving there money in the bank, because of lack of knowledge and relevant information can change someone life as long have the patience to hold for a long term.

Everything has advantages and disadvantages, why don't we diversify but just compare to choose 1 in 2, while no one forbids us to use both? Bitcoin for investments and banks for savings and daily living expenses. That's what I did, and it worked pretty well for years. Although depositing money in the bank is like we are burying our own money because over time inflation is depreciating our currency. But there's no denying that having savings in the bank will help us in emergencies, as bitcoin doesn't always turn out to be profitable for us.

for now, in terms of investment, I'm still focused on crypto, which means, I prefer to tend to invest in bitcoin rather than saving money in the bank and taking advantage of the interest.
As you said, bank interest has a very small percentage, but also has a small risk. While the percentage of profits offered by bitcoin is far greater than bank interest, but with great risk. Currently, I still have several businesses that need to be developed quickly, and need funds, so I choose to take risks by tending to invest in crypto, especially bitcoin, compared to banks. I think many people take advantage of bank interest when they are truly successful, or have achieved financial freedom. they only take advantage of the benefits of bank interest to meet the needs of their lives.

I don't see any risk in bitcoin if investing is a long-term investment,  this is something one has to make up the mind to just hodl knowing that after sometime profit can be achieved.  This is better than keeping money in the bank for a longtime which the value of the money will eventually depreciates.  Bitcoin is the best investment to go for in terms of value,  freedom.  

It is less stressful to make investment in bitcoin.  Bank investment is never good investment for financial stability because of loss of values no good profits can be earned,  it is certain keeping money in the bank will always be a loss in value.

I don't think we have many people investing in btc or cryptocurrencies as many people out there still see a lot of grey areas that still need to be polished up.

Btw unlike the crypto industry,  the banking system is well rooted and this took alot of years for this industry to be well established and I don't think the banking system will be sidelined either...if investing in crypto today requires you to have a bank card or bank account, this still says that the banking systems are still superior in spite of the financial freedom, low transaction fees you name it that crypto has to offer! Instead of trying to separate the two, I think let both coexist!!!

Both systems work for me, as at times one of them turns out to be less useful because some people aren't in the know of cryptocurrencies and it's best to be prepared for such inconveniences, so I prefer both 8)

I agree with this. Both have pros and cons, and it is a matter of our personal goals and risk tolerance. Bitcoin, as a decentralized digital currency, offers the potential for high returns but also comes with significant volatility and potential for losses. While investing in a bank can offer more stability and security but may come with lower returns. As for me, I have both Bitcoin and banking investments. But as of now, I am still in the process of learning Bitcoin and trading. That is why a bigger portion of my money is in banking investments, as I still prioritize the security of my savings.

The decision varies to the individual's financial situation and other considerations. Either bitcoin or banking investment, both decisions should be weighed to make an informed decision.

The money is a piece of paper written on the bank. Whether you want to keep it or not, the money belongs to the bank. Set as the bank wants. However, when a crisis occurs, it is the government that must be responsible, aka debt, to cover bank losses. The bank always wins. Currently it is not safe to keep money in banks, it is very risky, especially since the Fed raised interest rates to maintain excess liquidity due to the Great Stimulus of up to 1.9T US$, capital outflows can occur, this is the reason Deposits in banks are at risk at this time if we don't look at policies Fed.

Therefore the choice of Bitcoin investment is a wise choice in the long term because so far bitcoin has seen a lot of potential and experienced enormous growth. In addition, bitcoin is a currency that is still in its infancy so that the world is currently competing to slowly adopt it, which will eventually create a positive market, of course creating good investment opportunities in the future.

Many people will think that is stupid because leaving money in the bank will only cause your money to depreciate over time. But I will agree with you what you are doing, I will also prioritize my safety before thinking about making a profit. For me, if we can't keep money, don't expect to make money by money.

Indeed, we should only invest and trade bitcoin when we really understand it, there is no need to rush to invest with an empty mind. That won't make money make more money, on the contrary, it will make us lose it faster than the devaluation caused by inflation.

In my opinion, investing in a bank is a more safer and older system than investing in Bitcoin. Otherwise just as there is high risk involved in Bitcoin investing, there is also the potential for high returns!
Actually there is no right answer to whether Bitcoin or banking investments are better. The choice depends on your risk tolerance, investment goals, and overall financial situation.

The choice between these two options will depend on the person's risk profile and financial goals… If you are looking for high-risk, high-return opportunities, you might consider investing a small portion of your funds in Bitcoin. On the other hand, if you are looking for stability and let's say a certain degree of security, you could opt for banks and traditional financial products. I personally like the idea of Bitcoin better as it can offer high return opportunities due to market volatility… and although for many people this volatility also means there is significant risk of loss, for me it represents a higher risk appetite, which could be reflected in higher profits... Also, the returns on savings accounts or certificates of deposit they are usually low compared to the potential gains from riskier investments like Bitcoin.

Currently people prefer to invest in bitcoins rather than investing in banks even though bitcoins are risky they still hold it with faith. But I believe that investing in Bitcoin is better than investing in a bank and there is not as much risk in Bitcoin as in a bank. We have seen many banks go bankrupt around the world where many people have lost money and in the country where I live the banking situation is not very good. So now I think it is more convenient to invest in bitcoins than investing in banks, because investing in bitcoins will definitely give you better profits and there is less fear of losing money. Although the bank gives interest, but the bank gets most of the profit from this, but the profit comes according to the percentage of the person who invests, but I noticed that it is much better to sell with that money than to keep the money in the bank. Because if the money that is kept in the bank is invested in Bitcoin, then after a long time when the market will grow again, it will be possible to get a lot of profit. So I always like to invest in virtual currency and investing in bitcoins, but I think futures are possible and bitcoin investment is not risky.

I support you in saying that investing in bitcoin or any other investment is better than depositing money in the bank. But I will disagree when you exaggerate that investing in bitcoin is risk-free. How can an investment yield high returns without risk? “The higher the return, the higher the risk”, and “invest only with what we can lose”. Have you forgotten all about it? Not only with bitcoin, but any investment or business that can be profitable will also have certain risks.

Banks are safer, and in some countries deposits are guaranteed by State, even if the bank closes. So first or essential investment (in order to save money for a life project for example) should be in a bank account.
Then, if you want to invest more, cryptos offer better earnings, but with the risk of losing more capital. So don't invest in cryptos what you can't afford to lose.

In many countries, the state guarantees to return only a part, a certain amount, and no one will return everything that is lost above it. In addition, there are situations when a depositor simply cannot withdraw his money from the bank, remember the recent story with depositors in China, this is far from the only case and not only in China.

Therefore, you can keep some amount in the bank (which you are not afraid to lose), or you can afford to go without it for a long time. Try to make sure that you can have access to your money when you need it, so that you do not depend on anyone.

Between Bitcoin investment and banking it has its own advantages and disadvantages, but I personally choose to use both of them to diversify my investments. Because keep in mind that when you put your investment in one basket your risk of losing will be much greater. But when you diversify, your chances of losing are much smaller. Moreover, investing in Bitcoin tends to be more unstable than what is offered by banks, so investing in a bank is only for a backup investment, if you lose on a Bitcoin investment you still have other investments running in the bank.

the connection between Bitcoin's instability and banking as a mere "backup investment" might be a bit tenuous. Its interesting that you called the banking investment "shitty," but also count on it as a safety net. The logic seems somewhat contradictory, doesnt it? Banks traditionally offer stable, though lower, returns and can serve as more than just a backup.

The bigger picture here could be a well-rounded investment strategy that makes use of Bitcoin's potential for high growth, mixed with the relative stability of banking investments, termed here as "shitty banking." But, to see banking solely as a backup might not give it the due credit for what it can add to an investment portfolio.

Personally, more advantage when holding money in Bitcoin than banking investment, when deposit fund in banking account as investment we get rule not available unlock until ended of time period and profit interest around 8% until 10% every year. Its seems very small amount of profitable than hold in Bitcoin, but another advantage with banking investment never get risk with our capital drop values than Bitcoin investment has opportunity when price dropping.

I don't doubt for choosing and priority with hold my fund in bitcoin than saving as banking investment with small profitable earn every year. I think when using banking investment of our money cannot cover the inflation rate that will occur in the next two or four years according to the duration of the deposit we choose.

Investment in banks has less risk but investment in Bitcoin has more risk.  But banks pay 5-10% interest every year but Bitcoin is able to pay several times profit every year.  On the other hand, if you keep money in the bank, the principal amount remains as stable.  But if you invest in Bitcoin, its price may drop a lot and thus there may be high loss but there is no loss in case of banks. So if you can afford to take risk then you can invest in bitcoin but if you want risk free investment then bank is safe for you.  So it depends on you