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.
The government itself won't even allow that to happen.
In as much as Bitcoin offers the things you've stated, the government are not actually a fan of a fully transparent system. Certain things still has to go on behind the scenes, but it doesn't stop Bitcoin from doing what it was intended for, though we've seen the same government and banking institutes joining the train in recent times.
And, a lot of people are only familiar with the fiat system, so a full transition which is not even possible might affect them.