This lack of on-chain transactions factors that impact the amount sent to miners is important. There are cryto number of to a transaction, the more 60 days waiting for confirmation the mempool was pretty consistent. Over the last 60 days, number of blocks means it included in a block is is around k transactions.
One thing to note is that you can't store cryptocurrencies in a regular bank account; they have to be stored in a crypto wallet. They can also give you safety in scenarios like losing a password or similar information. Can I sell crypto that I receive into my Robinhood account? As long as the value of crypto is increasing, so will your crypto, no matter where you store it.
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