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.
Banks are making money from no where so do you think banking is still better than decentralized crypto?