Does 'be your own bank' overwhelm a regular customer's risk competence?

The Web3 motto "be your own bank" sounds like freedom, but it also means 100% personal responsibility. There is no bank you can call if you make a mistake. If you lose your password or fall for a scam, your money is gone irreversibly. The question examines whether it is reasonable and practical for the average citizen to carry this extreme responsibility. Regular banking customers often lack the IT knowledge and daily risk competence to protect themselves against hackers, technical errors, and the loss of keys.