The main advantages of cryptocurrency are transparency and a trustless society. If I go to Chase Bank, Wells Fargo, or Bank of America and deposit $100k, there is no telling what they actually do with my money. In a decentralized bank, you'll have YOUR funds in YOUR account and they'll remain there.

This can still be done under the cover of 'anonymity'. The reality is the broad markets aren't going to accept the same risk you're willing to take, so a true stable coin (issued by our XOV central bank) will work in tandem with our retail bank.