Thanks. There's no confusion.

If the sole purpose of a bank was to keep money safe in a vault ... then yes, Bitcoin is your own bank. A big achievement, indeed, and I do hope self-custodial non-KYC wallets won't be criminalized.

But if a bank is also enabling financial services (payments, lending, borrowing, using BTC as collateral etc.) ... then in the current state of affairs, you cannot use Bitcoin mainstream without a bank (centralized service).

There are projects out there that want to enable Bitcoin to be used bankless (L2s). But those are too easily brushed off by such platitudes.