I think in the future, banks will dissappear, Wallet online Blockchain or Coinbase will replace Banks, we can look forward to a world in the use of virtual currency and transaction technology of Blockchain, Banks not suitable for future
No, there's no way to replace bank, unless bank use blockchain technology, but there's no decentralization will implement, no. The government will always want to control your life in many ways.
Any country currency will turn into digital form in the future I think.