Actually banks aren't going to disappear or die, because people need them and I'm not talking about traditional banks exclusively. I'm also including crypto banks that are going to become very common as crypto currency becomes more popular and adopted worldwide. People need banks because they can invest their money there and earn interest from it or in another situations they can take a loan, if they are in financial need.
Crypto can't replace banks, but it can be integrated in banks and that is already happening.
I would understand that if that was something regarding security, but that is regarding questioning without asking permission first. Why would a bank have the right to question me where I am sending my money? If it is still me then it is me, you can ask me if I was hacked or anything, that is a valid security question, and that would be understandable but asking me why I am sending someone money? That is not their business.
I agree that being unfaithful to your spouse should be punishable with a huge sum of alimony so that you could at least realize the mistake you did, but that is regarding laws and not regarding anything related to banks. Crypto is far superior in that regard because there is nobody to ask me anything. Decentralization is another level thing and I love it, the whole reason why I love decentralization is the fact that nobody could tell me what I can do with my money or question my moves.