Even though digital assets will serve as a great alternative in the nearest future, we are going to still need banks to convert to fiat in order to cater for our needs. At the moment, digital assets are not an acceptable means of exchange universally.
so far, I also think that we cannot live without banks. maybe digital currency is very useful, and we think that we don't need a bank for that. however, almost all transaction activities currently involve banks, and unconsciously we really need that. so, for now, the digital currency can only be used as an alternative even though we use it as a main transaction.