Only if bitcoin becomes a reserve currency and if coinbase is able to survive for that long and all of that happens before 2020, as you can see there are many ifs in that statement, the money moving in fiat is still a lot more than the money moving in bitcoin so bitcoin will need to be huge for that to happen and then if that happened, do you think banks are going to stay out of the business without putting a fight, if that happens they are going to open their own bitcoin branches.