Yes bitcoin investment is risky than the bank because there are some scammers in bitcoin if you dont scrutinize the ICOs. The advantage of bitcoin is that if you invest it will multiple your capital than investing to banks. But it really depends on how you manage your investment.
I think bitcoin investment is more risky than banks since bitcoin is a digital money and it can be hack where as in bank your going to invest with fiat. But the big advantage is in bitcoin your profit will be double than banks.
I agree with you in that part, bitcoin is an electronic money that has a faster transaction than the other banks, also your funds is floating, it is not safe, ut on the other hand, it will bring you high profit if you invest to it, advantages of bitcoin.