Literally how nobody taught 15 years ago that Bitcoin would be a major conversation in the white house today. Technology and humans evolves, if you don't think that banks are threatened by Bitcoin, I do. If not they wouldn't have been against Bitcoin in the first place. With the growth of lightening network, and merchants implementing Bitcoin payment systems like in El Salvador, the journey flows along that way till everyone begin to understand how it works. Centralization won't leave, yes, but Bitcoin has already handed us a visible alternative to all the ill treatments the banking system gave to customers.
Bitcoin could have negative impacts on banks such as reducing revenue as customers switch to using bitcoin as a payment method or they will lose some savings customers. But that doesn't mean it can threaten banks because bitcoin can't replace the entire role of banks in the economy.
For example, you have a business and need capital to operate, or you need financial insurance, advice or a loan. How can Bitcoin help you in this case? But banking has all that and more. So bitcoin will never be able to become a threat to banks.
Bitcoin is just a financial instrument, while a bank is an organization, a system that manages the entire world economy (Fed). How can a tool replace an organization?