When you have 100 Bitcoins in your wallet and when you have 100 thousand dollars in your bank account there is difference because your wallet does not want to know how come you get the money that was deposited for it being that huge, but your bank will call you to know what job qualification you have and lots of other questions to be asked .........
That is true, I also love the decentralization of Bitcoin, though, the efficiency of these digital currency is the problem. When you're money is in a bank, you can transact quickly using your money, the bank where I used to save money doesn't have any fees on these. Another one is that, many stores still don't accept bitcoin, despite of it's price, it still needs to be converted to fiats.