There's a non-zero chance someone can just roll a new key and it happens to be yours, and poof, your money is gone with no recourse.

It's a tiny, infinitesimal chance: but it's a heck of a lot greater of a chance than the same thing happening with a bank account, especially the "no recourse" part.

I think you're misunderstanding how small the chance of creating the same wallet as someone else is.

There are 2^256 wallets. There are 2^72 grains of sand on earth.

The chance of your bank screwing up is a lot higher, by trillions.

Let's be realistic.

I'm a huge critic of the cult of crypto, but the odds of a key collision are smaller than the odds of <some highly improbable series of mistakes/coincidences/malice happening that result in you losing your money in the traditional banking system>.

The odds of a 'someone gets access to your account/wallet and instantly drains it with no recourse' are much higher in the crypto space, as the author of the post experienced.

The odds of the bank making an error related to your account and crediting you money is far greater than the odds of generating the same keypair as someone else.