In today's conditions, cryptocurrencies cannot bring bank operations in full. Conditions are not appropriate. However, the new ICOs are promising in this regard. I think we won't need a bank soon with some projects.
That's true. The infrastructures are still being built but I guess we are closer than ever. The main hurdle I think is the distribution network for accessibility between cash/crypto. I wonder how many are using crypto to pay, and not hodl.