Banks are over, the paradigm is moribund. In the coming years we'll see UBIs brought in. Energy & production will be free. Currency itself will be devalued.
Estonia already has an Ethereum wallet built in to their new national ID cards. With that kind of solution, implementing a UBI is technically possible.
On the banking system, Nouriel Roubini recently said the following: "Central banks should issue their own digital currencies to replace a crisis-prone banking system and shut out cryptocurrencies".
https://www.theguardian.com/business/2018/nov/19/why-central-bank-digital-currencies-will-destroy-bitcoin I have founded OecoSystema (
https://bitcointalk.org/index.php?topic=5079577.0). It is a combination of both worlds, centralized and decentralized, aimed at low-income people. Instead of waiting for a solution, I think we need to start creating solutions.