Hey there! I was always thinking that merging banks and crypto is a good idea. I even use a prepaid euro card balckcatcard with a crypto wallet linked to it. I make crypto-fiat or fiat-crypto exchanges straight from the wallet to the euro account or vice versa.
National banks already testing out their own cryptocurrencies, but are all stable coin.
Now about 80 percent of states are considering introducing nationally stable coins. However, this is simply their digitized regular currency.
Central banks of states will be forced to work with a decentralized cryptocurrency. I also do not see another way for cryptocurrency. In order to successfully develop, cryptocurrency requires cooperation with states and their central banks.