I think it’s pretty hassle to use a Bitcoin ATMs like in my country, there are plenty of digital banks that can make things easier to withdraw and deposit. Afaik it does require some verification so it’s no dofference in using digital banks. Also, you’re literally using it with a major company that handles the bitcoin ATM so technicall there’s non p2p happening at all. So yes, i can’t see any usecase that can make bitcoin Atm top tier.
You only can use digital banks for bank transfers when you do your bitcoin trades with your trade partners in Peer to Peer trade deals. I think I get it right so your post makes me confusing a lot because deposit and withdraw bitcoin directly with digital banks sounds not popular adoption from banks.
I knew that JP Morgan Chase changed a lot and provided many services related to Bitcoin and cryptocurrency but I am unsure that they and other banks provide what you said.
JP Morgan Chase are participating in 5 categories of cryptocurrency. Jamie lies!