I wouldn't recommend anyone to wait for it, simply because it won't happen. The majority of the people depend on debt, and financial institutions can benefit from blockchain technology just as much as we do.

Another aspect is that you can't offer buyers protection with Bitcoin. It's horrible for sellers (PayPal sellers know how shitty it is as well), but a killer feature for buyers. Who doesn't want that protection when buying stuff?

If you also take into consideration that they can reduce their fees significantly to compete with crypto, and that most people don't care about decentralization, you'll understand that they won't be going anywhere.