But banks can now also be accessed online, and I think almost the same as digital. Banks I am sure will have plenty of ways to stay afloat and I'm sure it would get help from the government. That's why banks are very difficult to disappear.
Banks already adpated butcoins and other crytocurrency and offers an exchanged for fiat. Banks will never disappear but it is better to called ut as innovation. I think fiat days will be starting to take over by crypto currency and sooner it will fully control the market
Your assumptions would not happen hence government wouldnt allow this because as we all know bitcoin cant be controlled by anyone and merging of banks and bitcoins/cryptos would be no have sense at all. No matter how cryptos would boom up but still banks would remain strong .