Banks are afraid of cryptocurrency,because in spite of decentralized and its value much higher than their interest ,depositors in a bank will be less and change to digital currency.For now bitcoin become more popular and investors want to invest in bitcoin rather than banks now.It is a better currency for us because in charges the added a small fee in a bank they always charges a higher fees so thats why many depositors want to go on bitcoin ,banks will die sooner or later.