What I know is that, every innovations modifies the old structural development of an institutions as the purpose to everything is civilization, the case of crypto investment and banks is quite a new innovations just like postal office and emails bringing in new system of message delivery too. So it's nice embracing new innovations when it comes and be part of it.
Crypto serves multiple purposes, cross border transactions and investments (long and short term), Banks doesn't offer much other than savings with no increase in values, investing with low percentage rate for longer period but has limited amount which only favours the rich which is discrimination.
Agree with the fact that cryptocurrency is multiple functional and can offer far more reaching opportunities than the traditional banking system, but as a currency of trade or as a store of value, take bitcoin for example, someone who put NGN 1000000 in buying bank stock that is subject to inflation and another who put down ₦ 100000 in Bitcoin in 2018 buy now the bank asset will probably have generated low percentage profits which will be eaten up by high inflation and cost of basic commodities, but for bitcoin, it's an edge above inflation and what make you the profits is your level of experience and knowledge so for sure there is a far-reaching difference between the two.
Most of the time, why most centralized banking systems through the central bank are always against bitcoin and other digital crypto assets because they feel that the decentralized system is going to take their jobs and a way more trusted and used by those who know its market.
Although the narratives are changing and they're beginning to accept the realities that there is no way that cryptocurrency will give way to intimation harassment or blockage and at that governments are taking steps to regulate the crypto market which is what is expected at least to monitor its activities and checkmate actors in the crypto sector which have become an inter-related industry that need a lot of structural understanding since crypto is an innovation.