Pretty true indeed but we cannot remove the fact that there are still some advantages of having a bank just for an example: Bitcoin can be access through online platform right? then it would be a problem for few places who don't have full access on internet. Basically what I am pointing out is that we were not fully ready yet hence, I would suggest that don't compare Banks into Bitcoin because they have their own advantages and disadvantage, much better if we will practise to use both of them and have an efficient way of transaction.
Almost everyone already has access to the internet, unless they're like just using SMS for almost every communication medium. I am pretty sure that everything is almost done through technology. Messenger even supports sending money. My local app supports hodling of local currency.
I think that some time in the future, banks will be behind the financing if not completely replaced by any cryptocurrency we already have today.