Bank will never be disappeared if they becoming scam lots of people are going to file a case for those owner of a banks, Well from me banks are stsrting adopting bitcoins ad technology base in my country we can deposit our bitcoins into banks.
And what do you think it will come off those possible cases against the banks? Banks and bankers are too powerful they will never suffer the consequences of their actions.
The law is for the people and for the companies, sure they can try to buy the law, but sooner or later someone will find and put them into the jail, banks doesnt need and wont scam, they make and earn huge loads of money all years, dont expect bitcoin to be a problem to them, just few of us able to live without them.