This bank cannot be bankrupted, so your financial assets are protected and liquid.
There could be some people who default, but at the end of the day there could be some who won't and if the default rate is low, then they will profit and make a ton of profit plus they could get a lot of money when bitcoin goes up too.
This project just meets your desire. This bank allows you not only to accumulate your assets, but also gives you the opportunity to earn by helping others open their accounts (cells) and do the same, which leads to an increase in the total deposit, which affects your income percentages.