I would like to add to this discussion legal framework. Countries are now recognizing crypto currencies, and in Germany you can deposit your crypto money with the bank. You would have also to pay taxes on your income even if it is in crypto. It is too early to speak about independency from banks
I guess there will be a time in the future when banks and crypto will co-relate with each other and as you said the thing about taxes, so we will be paying taxes for sure but that tax would be probably like the tax currently on real estate gains, you would only have to pay taxes if you cashout your bitcoins and if not, then you can have a tax free life. But for now, there are a lot of problems for the crypto users that are trying to convert their earnings in crypto to cash via bank transfers in quite a lot of countries.