If cryptocurrencies will be the basic mode of exchange in the future, what will happen to the banks then?
Banks are not going down without a fight, you need to understand that they do not have any kind of loyalty to governments, if cryptocurrencies become the most used form of exchange around the world you can be sure that they are going to adapt and they are going to begin to accept cryptocurrencies themselves, and it is even possible that they begin to create their own cryptocurrencies.