I think the idea of crypto is that we will not need banks anymore. If crypto gets bigger, more scalable and more widely accepted it can be used for payment and you won't need a bank. What would you want to use a bank for?
I think cryptocurrency won't replace bank. Although crypocurrency has many potentials, replacing banks arent one of them. They may aid banks, or do other things that banks cannot, but replacing banks is not on their short-term agenda. In the long-term, yes, but nobodys even close to preparing for that yet. There are too many powerful people involved for that.