No, I don't agree with this. I have never read that BTC was made to replace a bank, no. Even though BTC has better technology and systems, there are a number of points related to legality and security guaranteed by the government making banks quite "safe". BTC can be a good payment alternative, many are adopting BTC now, but they cannot match the existence of fiat and e-money. Most people also prefer to use it as an investment tool and commodity trading, it is more effective than wasting it as a means of payment that we can still do well using fiat.