Cryptocurrency replacing bank is something that cannot be possible I mean bank have the role they play in the world economy likewise crypto and that of the bank is a significant role. The purpose of bitcoin creation will still guide it future growth and I think bitcoin wasn’t created to replace banks
The possibility of it happening is 10 to 90% percent as people's desire for for fiat will ever remain in demand.
However, did Satoshi in the first place want to replace banking system? no all he desire is transparency, decentralisation and freedom which is the core tenants of bitcoin. even with the new bill signed by the US president it wouldn't even still make using crypto as easy to replace banking system.
So I think that those who are swayed but the thought of bitcoin replacing the financing system or bank is just an over exaggerators.