We don't, irrespective of what the banks are doing or have done, we have something better right now and that's all that matters. Banks are getting extinct soon and they know this. We have apps that can do transactions faster than our banks so why do we need them. We now have borderless transaction with crypto so what role does the banks play again apart from to hold hostage of our money that they can only release to us whenever they want and continue to restrict us from our money when we need it. I have never waited for few days before I can make use of my Bitcoin but I know how exhausting banks is with their delays.