I think whether having a crypto banks  purely speculative and is not important at all.
If banks everywhere wants a piece of the action and wants to be part of the crypto innovation, nothing is really stopping them from doing so.
For me mobile/online wallets and trade sites are quite the essentials anyone needs here.
Maybe at some point, there will be banks, till then I can't really see the big picture.
Good wallets however are crucially important and essential no doubt.