I also dont beleive that bitcoin will replace banks in future, because modern political regimes exist in bound with banks based financial system. Bitcoin will be not allowed to join the party and replace banks.
Good news is that bitcoin provides new alternative to operate privat funds, alternatives are needed for any kind of liberal society
I am using bitcoins for most of my online transactions these days but I do not see banks being replaced by bitcoins especially in my country:
1) In my country the condition of banks is not that good but the politicians still keep funding those banks for the benefit of the poor people who are using the services. There had not been that much statements from these politicians in favor of bitcoins.
2) Another thing is that there are still a number of illiterate people in my country. They are able to use the bank facilities by taking help from another person like for filling the forms. Giving your bitcoin account for transactions to another person can be very risky in my opinion.