In general, of course, if the crypto currency was fully accepted by the legislations of different countries, then we would not need banks. Agree that this is a waste of time
I think it will take a long time for this to happen as most governments around the world have a very bad view of Cryptocurrency and see it as illegal to use them. I believe it may soon end soon as most of the investors are entering this market more and they are free to finance without any problems.