You say the system doesn't work for you, but in fact it does. You're insured whether you like it or not.
Bitcoin exchanges aren't free, right? They have to make their money. They will end up working almost identically to the way banks work. Or they will go out of business.
I'm not. I use cash. I'm too poor to always keep a few hundred dollars around and wait for them to make a 'policy change' that now doubles the minimum and have them take my money. I simply don't have the time to read the dozens of spam notices about 'free life insurance' they send me as well as the notices about the changes in policy.
Bitcoin already has a transaction fee built it, its reasonable and value-added. I have no problem for paying for a service that gives me value.
I can handle myself in the real world, If I give money to someone who steals it from me? My bad, I'll eat my mistake. Don't steal from me and tell me its for my own protection.
Bitcoin exchanges aren't free, right? They have to make their money. They will end up working almost identically to the way banks work. Or they will go out of business.