Banking is not a problem,the fiat is the one.
Crypto may replace them when people call it as currency but as of now its being considered as an investment.
Uhh... But isn't banking is basically based on fiat? Uhh... NO. It is considered as currency in the first place, but as time come to pass it turned out to become an investment.
We can say goodbye to bank but if you want to make the official transaction or any government oriented transaction means you need to have banking approved transaction receive to get paid for it.
That is a reason many of the people in the cities even they know the Bitcoin and its uses they are not accepting Bitcoin like how they are using the fiat currencies now.
You seem to not understand the idea. Well, basically, we know that banks are either public (by the government) or private (by credit unions). But by this, the government are intending to have complete control over by implementing crypto of their own, and would drastically reduce the effect of banking, especially if the government will force you to use it.