Having money in the US banks is like watching a stagnant pond. With the obvious earning potential of cryptocurrencies as well as the privacy, safe transport to other countries and excitement, how much is international trade and how much is it people like us who just want to do something with our money or are tired watching our money rot in an account while the banks make money using it?
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That is the price you pay for the secure storage of value they offer. Otherwise you would rather put the money under the mattress.
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I would rather put it where I am putting it. ;) probably the same place you are! But a mattress or hole in the ground or attic give me about the same return as the bank.
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