the use of points accumulated by consumers bitcoin,would restrict consumers spend your loyalty points, and these points can be equated as money,which payment options can be further enhanced portability,This became the first of the banks that engage consumers in technology,banks will face the risk of loss of potential profit.
I agree with you if bitcoin is going to implement this loyalty points for sure the service of banks will go crap in the long run. But I guess the stores or merchants are the one needs to implement this loyalty points.
Or else this loyalty points is becoming to your own loyalty with bitcoin and you are the one that going to benefit it in the end.
Just like the early users of bitcoin they've been loyal from the start and hold a lot of bitcoins and as of now they are now enjoying their reward for being loyal.