I suspect there'll be a use case for secure wallet storage; if i imagine my parents, relatives and even friends, they need to have a backed storage.  I can imagine having a load of cold wallets stored in a vault, and then an online insured fund for the equivalent of current accounts.

Lightning hubs are banks too the more I think about it, or a co-operative perhaps.


Combine the two and I don't see banks going away, even if lightning doesn't materialise.