Crypto is basically cash for online transactions. Pretty niche, but cool and definitely in demand for some situations.
Just how in the real world you're shit outta luck if you lose your wallet. Or if you give someone money, but they laugh you in the face you can either cut your losses or try your luck in a fist fight. It's the same with crypto.
With banks you have a separate authority that can handle all these cases, which is desirable in 99% of all transactions.
Unfortunately it's volatile af, and the most popular crypto currency (Bitcoin)has untenable transaction costs and transaction limitations (10 transactions per second, globally - what a stupid design decision)