With Bitcoin, banks are central banks become optional. They are not needed anymore, and they will simply shrink to the real value they may have in the economy. There are way too many of them from a century of making them "indispensable" when they are not. And they know it. The writing is on the wall, and they know it. Exchanges are not the answer, they are also part of the problem and they will go as well.
Pay and be paid with Bitcoin. +90% of the world's digital money is already out there, its time to use it. You won't keep making wealth by just holding them, its time to use it for what it was made: To free you from the State and financial institutions, wealth transfer no longer requires middlemen.
At first, states and their governments did not notice the cryptocurrency until its growing influence and level of capitalization reached impressive volumes. Now governments are closely watching the cryptocurrency market and are going to regulate it. Over time, states will develop uniform rules for the circulation of cryptocurrencies until cryptocurrencies become one of the varieties of financial assets. But states will only allow circulation of cryptocurrency on their territory, but will not actively support it. Cryptocurrency will mainly be used by citizens, and not by states and their governments.
The current banking system will continue to exist because banks are part of the government. Of course, everything is changing and the work of banks will be improved in the current changed conditions.