All technology comes at a price. Crypto comes with the amazing added benefit of not being under the arbitrary control of a human government. Just like surfing, you may never understand this until some government sends your bank a fax and says "give us her money," and the bank does. Believe me, this happens with great regularity.

What you choose to do will also depend on how much money you plan to hold as crypto. Considering all the bank fees, risks, and etc., not to mention inflation of fiat money, an investment of $100 in a Trezor may begin to look like a really good deal.

The real benefits of cryptocurrency will come when it starts to replace government scrip. Then you won't need banks; you will be able to be your own banker. You won't need "face to face" because anyone you want to do business with will pay you in or accept crypto.

You are only struggling a little with this because you are an "early adopter," a pioneer so to speak. Hang in there, I believe it will get much better as time goes on.