I think the job of the government and the bank is more than just a third party. They collect money and distribute it to the community in the form of loans, to ensure the economic system runs. Of course they take advantage, but we will still need government and the bank system. Our hope is that they evolve in the blockchain system and make the system more efficient and cheaper.
You are absolutely right! People don't realise that banks job is not only transferring money and the governments are not only here to think about money.
The whole picture is a lot bigger and a lot complicated.
Crypto really cave a chance to change the world for good, but I believe that this can be achieved a lot easier and a lot smarter by trying to work with existing system for now, not opposing it.