I think it's hard for bitcoin to hit the bank. in fact, later the bank will have a role in bitcoin. we know banks are in government protection, while bitcoin regulation is in the hands of the government. hence the government will make policies, so that the country's economy is not chaotic
For now it's impossible to do, unless the government itself introduce a tap, a mobile application or any system that can let the people pay or crypto anytime anywhere and with good Internet connection.