Banks were mostly established, especially in the USA because people needed to store their valuables in a safe place. That is, because the banks had big vaults with large metal doors that made it harder to steal.
Now one could imagine this would happen to bitcoins as some users would be able to claim that they knew how to securely store the bitcoins while others would succumb to such. Would be even more interesting to see how this would ever be mentioned to be regulated.
So let's double our information efforts.
Your wallet is not encrypted. Encrypt it.
That is all.
You are your own bank. A credit union offers far more options than a bank.