there is one thing that bank will not replicate ever and this is the only thing that makes bitcoin vastly better, decentralization and the full control over your wealth
not to mention charge back of 180 days, bitcoin is instant too but at least transaction are irreversible, yet for some this may be considered a bad thing but for many other it isn't
Normal people want to have chargeback since it is the only way you know that a merchant will send you what you have payd for. No bank or payment system made for mainstream use can work without chargeback.