People need to get the "Bitcoin is used for crime" and the "Bitcoin is dead" and the "blockchain is the only useful thing about Bitcoin" out of their heads, and see that the real value in Bitcoin is that you own and control your own money and don't depend on banks.
It's weird how people here assume that everyone wants to be his own bank.
How about being your own plumber? your own butcher? your own garbage man? your own tailor? your own brain surgeon?
Think of the money you'll save! The material of a bespoke Italian suit that cost you 6 grand is probably $200 at most! And if you're your own weaver, that $200 fabric will cost you $50 in thread!
Self-reliance is good character trait to cultivate. To answer your questions.... I do most of my own plumbing. Last Saturday I butchered one of my goats. I cut my garbage service last month (at least until unburnable refuse accumulates and/or wet weather intervenes next winter), my wife and daughters are developing their tailoring skills. I'll admit I'm taking a pass on the brain surgeon thing, though our four kids were all born at home.
In a world where people can't change their own oil or mow their own lawn competently any more, developing good hands-on skills provides many benefits both in life satisfaction and in competency to take on new tasks, whether in your occupation or avocationally. That would apply to banking and investing as well.
There's your problem right there. You think people don't change their own oil because they can't. I'm here to tell you (as someone who has restored many cars, frame-up, doing everything from machine work to upholstery myself) that I don't change my own oil (in the daily beater) *because I do not want to*. I'd rather spend my time doing something I like to do. Just like a surgeon might want to spend his time on something other than his plumbing.
See?
Edit: That's what living in a *society* is all about. You don't *have* to shoe your own horse, you can go to the village blacksmith, who is set up for such thing & does it better & faster. In exchange, he will come to you when he needs his plumbing done, because you're better at plumbing.
Everyone wins
P.S. Not sure how to interpret your sig in light of you being on a money changer forum.