I don't think it's entirely clear that traditional banks are replaced by crypto banks, and what exactly is meant by crypto banks?  Are they centralized exchangers? If that is the case then I would say that the bank system is still in a much better position than this centralized exchanger system in terms of security, because banks are governed by different laws of a country state that provide security of money to consumers. So I'd say it's too late for the banking systems to be replaced by crypto banks, or I don't see anything good in between.