Bitcoin will come likely do not destroy the banks it may become mainstream but not that kind of mainstream.
I do not think that bitcoin is going to be used by everyone in 2022 to be honest because that are so many people.
I do think that bitcoin is going to need allot more time to accomplish something like that.
Bitcoin has not reached everywhere at a moment and I don't see it happening even in next 6 years and there will be many people who will prefer to stay away from it even if its holding higher price.