With Bitcoin. No such fear, no such risk.
You can broadcast your transaction to the network, nodes and miners will confirm transactions with priority on highest fee rates first. If you don't use too low fee rate your transaction will be confirmed sooner. If you use too low fee rate your transaction will be stucked longer. Fortunately you can use Replace by fee if you use a non custodial wallet and mark your transaction as RBF when you broadcast it initially.
More fortunately, it's your keys, it is your coin. It is only if you use a non custodial wallet with it nobody can freeze your Bitcoin or steal your Bitcoin. It is big different and much better than central banks.
Are you sure you read the above post correctly before making yours? i think you are responding to the wrong topic, perhaps you should check properly to see which topic your post belongs to.
@op you have made a point with this, it is important as bitcoiners to represent it correctly, it will be unfair to misrepresent information just because we don't like the service of the banking sector, I use bank more than btc for now and even though I dislike many of their services i still need them to transact on a daily basis.