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.
As of now banks segregate the proper way of getting loans by people because they have threats wich is cryto currencies. They have seen that Bitcoin brings advantages that everyone might participate in this kind of activity. To handle this kind of situation is easy if you are in with bitcoin like us but to the banks is so hard. We are lucky enough to be on it.