Bitcoin never could beat bank because bitcoin needed bank for their member and should support bank to make their bitcoin participants could withdraw and deposit their bitcoin become cash money.
I agree, besides that I think the government will not let that happen. it is very difficult for bitcoin to be able to replace the bank, especially in conditions like today. maybe it can happen to generations after us
There is no point of thinking that bitcoin will beat the bank one day, it'll happen if bank will stop printing money, which is impossible.
Bank will continue to operate with profit, we are even happy that we have banks to accept crypto so things will be easy for us, and that's what I like to happen because I want to be realistic.