Banks will not be replaced. The problem of insufficient knowledge reserves can't judge you should learn. Don't forget that the emergence of banks has created the financial industry. The cryptocurrency is only the future financial industry. Blockchain is just the core technology. Future banks will also have it.
Yeah why not. It is quite possible that blockchain replace banks. If I can do everything which a bank does for me for some charges, I will never go to a bank and will do everything from my home with the help of blockchain technology. Blockchain will bring innovation in our lives and we will enjoy the world with a new experience of using blockchain technology.