Your assets are secured cryptographically and is not bound to the whims of the institutions in regards to access to it. A good example was Greece in 2008 when people were only allowed to withdraw 60 euros per day from an ATM. With assets that is secured cryptographically, there's no central institution that decides that, instead it's decided by math and physics. You have 100% control of it.
Putting cryptographic assets also in different DeFi protocols, allows you to earn yield on it, anything from 3.5% to 100% (less yield is more secure) which even the lowest rate is still something far better than any bank would offer you. And since it's bound in a smart contract, you don't have to worry about it being locked up.
A lot of people are going to be very late in figuring this out, those that got in, are making money hand over fist, and are going to make a lot more.