Of course we shouldn't yet many people still turst them
More than half the world's population to serve the banking system of all countries. Probably, this dependence will not be lost than ever.
I think the bank business is like loan sharking business. Bank interest calculation methods are really only two, namely the effective interest and of a flat rate (flat interest). But some banks apply annuity interest that extort money from customers. So it is better to use bitcoin to minimize the use of bank services.
Banks offers low interest and they are competitive, we need to trust them when it come to borrowing money as they follow the laws to protect us and their business as well.