ATM, crypto "banking" is in a precarious situation. The exchanges and other 3rd-party escrow services are de facto banks of crypto-currency. I think there will be continued demand for this kind of service since there is a good chunk of the public that simply doesn't trust themselves to manage their own keys (and for good reason). When it begins to mature, I think that the amount of cream that crypto-bankers will be able to skim will be much smaller than what regular banks can do. Until then, the word "bank" is too strong to describe these escrow services. They are more like payday loan shops - with a service to store your money for you for a fee. In 10 years or less, I could absolutely envision a standard bank like US Bank or whatever offering a "Bitcoin checking account" alongside a regular US dollar checking account. I know that this seems like a contradiction to the rugged individualists in the Bitcoin community but I think these people tend to overestimate the intrinsic demand for sovereignty products, services, and technologies.