It's okay that it's unconvincing to you, but I think about dissidents and other "malicious" actors.

Apart from that, with a decentralised system it's way more complicated for others (!) to fuck up and lock your bank accounts.

But to be frank: I found the idea intriguing, never was invested at all. I am also not greedy and apart from taxes for my house I could sustain myself for a couple of months, maybe even 1-2 years without access to my bank accounts