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.
Correct, what you are thinking will truly happen because you wanted so. Bitcoin is existing all over the world while the value is running high and low but that is essential to the development of the project it means it is perseverance to commit the success in the near future. It is really a big help to the economics for the progress.