If we talk about efficiency then sorry to disappoint you, but banks are more efficient than bitcoin by far, and let me explain you why:
From the source:
https://www.quora.com/How-many-transactions-do-typical-banks-process-everydayWe see mastercard have 34000+ transactions/second and visa have 24000+, if we compare that wit bitcoin, we have blocks each 10 minutes with 2500 transactions/second aprox. So bitcoin now days can't handle yet the high number of transactions we have with banks, That's why i say bitcoin cen't be more efficent than banks, but maybe that will change in the future.
yes. I am totally agree with your point of view regarding to this topic. As of now, Banks is still efficient to used because many businessman and other investors still used it and proved it by many years while bitcoin was knew and we can not say that it can be effecient that easily. We still need banks to support the market and it is very common used to transactions.