We've had cryptocurrencies now for over a decade, a complete alternative the centralized banking system, and still the vast majority those lucky enough to be "banked" and who have access to the banking system do not trust our new "trustless" payments sytem on blockchain.
So while we've clearly got the tech to live without banks... the majority of the "banked" people still can't trust a new system that operates outside of banks.
But how about the un-banked... now they already live without banks, and have done generations.
Status show this as upwards of 2.5 billion people, who live without banks - because they lack the basics we take for granted.
How can we start to make a more equitable world, that shifts people into a new paradigm, a new economy that is outside of centralized banking control...