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.
yeah i know it's a form of warranty, but it's a double edge in the end, many maybe are not accepting bitcoin because of this exact reason and many other look at the opposite
the difference is bitcoin can actually solve both problem with escrow and multisig, with bank you have no choice, you're forced to follow their rules
And where do you find a escrow? If someone start up a escrow business they will have to register and do background check on all employees. That will cost money and we get even higher fees than we have today.