Banks will always exist, same as retailers, insurance companies, broadcasting companies, etc. banks serve a useful purpose, the problem isn’t the bank, it’s the structure of power they obtain in a fiat system, that ends up horrifically abused.

In other words, when “bank services” can be provided by a local trusted friend or entrepreneur, for just 200-300 customers, with very high quality, customer centered values, and trust minimized multisig/CTV/BitVM design, then literally none of the problems of banks can or will manifest at scale ever again. 

In other words, the problem has nothing to do with banks or financial services. They are necessary and desirable. The problem is the control structure they exist within, and all the incentives and consequences of that.