For me I think, it’s quite difficult as what he is saying, But also we need to admit that nothing is impossible, may be it will take longer time to happen like that because millions of people still remain unbanked, however a-lot of people are still out there that do not know anything about bitcoin. many country still see crypto as a threat to financial policy and this has led to some of them banning crypto. many cryptobank project have not been successful despite having goal oriented white paper. Certainly it's a long process before it happens so we need a lot of time to fulfill it.