I strongly disagree to this as far as I know with fiat currency is a centralize unit. But as for bitcoin / btc it is not and I would be glad it will remain the same as decentralize currency.
The bitcoin currency is famous but it is getting so volatile. It cannot be use in the ordinary traditional banking so in the future bitcoin rate is so high now the bitcoin price is the source of income. The bitcoin banks will never decrease the value of the bitcoin because it is being famous as the international level of currency so if it ever happened then it will be something different than the simple bank but mostly bitcoin use to keep in the wallets only.