You cannot view the bank from the negative or bad side of the bank's behavior, you must look at the positive side of the bank.
Of course I all still need a bank to facilitate the economy of the community.
The bank is very much needed, if not.
* You cannot attract or exchange your crypto assets to Fiat, if there is no Crypto bank will freeze in wallet, wallet or exchange cannot be melted.
The reason: Crypto assets are not valid as a means of selling/buying goods in general.
* Robbers or thieves every day come to your house and every day we will hear money in every house will be lost, intermediary banks for safe storage from criminal attacks.
* Banks are needed by lower and lower class people, because they have the nature of credit, those who do not have an economy with the existence of a community bank can open a business.

That's a common reason, there are many other reasons for the use of the bank, the bank's positive view, so you will need a bank.