I heard the news, that banks are afraid of bitcoin and can replace banks, because the excess of bitcoin is much compared to local banks
Bitcoin problem for banks, or rather the problem for the central bank. Of course, if this is not the idea of the central bank itself, but rather the managers.
If the largest companies in the world switch to Bitcoin and by their actions pull other organizations along with them, then it makes sense to fear banks. When will it happen and will it ... Will the paper go away? How to take a loan to people? Bitcoin banks will appear. Let us return to what they left.
I think that banks can sleep well for a very long time. Bitcoin for a long time will be an alternative currency to the usual money. Or maybe he doesnt have enough strength to sum up the currencies of the world today. It is impossible to predict what will happen in a year.