The answer is already in your question.
So to refund you back if it was their mistake, and deal with you if you have title against an account owner with the bank.
The thing is, the banks only give you refunds on extremely rare occasions, like you said, if it was
their mistake. And, also, it's one thing for the bank to be guilty, but it's quite another to get that confession from them.
The banks normally will give you upon creating a banking account an extremely long and boring paper called "terms and conditions", which people neglect to read and just sign right away. In that document, there's a whole list of situations in which the bank WILL NOT give you a refund. So, even with the banks it's not that easy.
Now, going back to crypto, things are even more complicated here. Basically, because of the fact that you're in full charge of your money and no one has the right to control/have access to your funds, the only one to blame in case of money loss is yourself.
Just be careful, beware of the mals, any suspicious activity on the exchanges, store your security keys safely, and double-check the address when sending money, don't go telling everyone around that you've got crypto - and you'll be fine.