Banking and bitcoin are pretty much not synonymous. Never does banking come to one's mind when you think about Bitcoin. Its just not happening because of the decentralized nature of Bitcoin. It does not allow banking staff to control it, and it won't let banks profit off of it, the banks won't be able to use it to get any business going. I think that pretty much covers it.
It isn't happening.
Understand and agree with your point, but ... most people aren't as capable as you in knowing how to buy/secure/use Bitcoin. The 'late majority' and 'laggards' will want to 'carry on as you were'.
We don't need the banks as much as banks need us (on a street level pov, not the heavy finance - although the number of street level branches is quite telling wrt who they are harvesting from). They surely don't want to be a Kodak or Blockbuster, which leaves me somewhat confused as to how they will avoid shooting themselves in the foot with their superiority complex.