Banks are in no way fearing bitcoin and other cryptocurrency. It's a thought that exists in crypto community only. XRP is not a CC but a centralized digital currency. Banks along with other financial institutes will never adopt decentralized cryptocurrency like bitcoin rather they will only adopt currencies like xrp.
On this way they could possible have their duties accomplished because believe me or not, even banks that has a very promising plan for their people will have a hard time to implement projects if they couldn't utilize taxes from the people. Whereas, the possibility of unifying banks/government and cryptocurrency could be achieve through the cryptocurrencies like XRP. Though, it is not our dream that banks could interfere with the cryptocurrency, there is currently no way of making the entire country great without funds intended only for the development of it.