This is not something we can confidently decide now, it still has to depend on the country and their relationship with bitcoin as a whole. Even when bitcoin because legal tender and a means of exchange, we will still have some countries having strict rules on its use maybe because of their enmity with a country that has legalized it, they will not want to be called the copy cat country of an enmity country, so they may resist allowing it to be used in such countries. Banks are subjected to government rules, one government may allow that and the next government may not depending on how they feel about bitcoin. To me, this doesn’t matter as long as it has been accepted as a medium of exchange. There will still be other ways we can still make it work without involving the banks too much to be the major path to achieving seamless transactions through Bitcoin.