bitcoin is the future of banking because people can manage their own money and they don't have to use any document to open the account. they only need a wallet to keep, saving, paying some transaction. but this will not happen if they are no agreement from the government and bitcoin is just for personal use for the daily life. I think bitcoin can replace money in a transaction if there is any integration from fiat to bitcoin and from bitcoin to fiat so people can easily to use bitcoin in anywhere and any places