I'm not sure if banking will disappear in the future and replace other intermediaries between Bitcoin and its owners. Currently, banks are the center of the monetary system of the entire world community, they have long depended on banks for the financial system. If banking disappears, I don't know whether the financial system will run stable or it will fall apart because of the absence of regulations or something like that. As a result, the proceeds from Bitcoin are also difficult to distribute to owners due to an unclear financial system. So I prefer that banking will always exist and not disappear.