Will banks fold  if they don't adopt crypto currencies. I think as important and sensitive as this question is, I don't really thinks that banks will fold if they don't adopt crypto currencies because while bitcoins are digital and decentralized, banks deals with hard currencies like the united states' uses the USD in their Banks and so long as the USD is in use the banks will still operate, because they will be there to do the day to day transactions of the United States Of America. Though the activities can be reduced if Bitcoin is accepted beyond what it is now.