While banks have many negatives it is incorrect to say that they do not bring some positives. By acting as an intermediary they facilitate numerous transactions that otherwise wouldn't happen and this stimulates the economy. The most obvious one is how they use savings to facilitate loans.
I believe that someday and in the right time comes the butcoin market will be a popular and the most number 1 top coin in the whole wide world. It will be happen soon , just believe.