Of course bankers are afraid of the situation when banks may be replaced by some other institution or ways to keep and send money. But in my opinion it may happen some day, but not in the near future. Too many directives are connected to the banking system, too many people use the banking system for different things. So I think bankers are not too afraid because they understand their importance nowadays and that people will still be using the banking system more than anything like crypto for their everyday needs.