The idea behind Crypto Banks is to have a decentralized platform that can carry out all of the same functions that a traditional bank can without the need for a mediator.
Access to your funds without strings attached would be the idea behind crypto currencies. Banks and services can fit inn since big governments wont switch from fiat anytime soon.
It will take time but all needed conveniences will be made or created to be able to choose or use crypto. Give it time.