So you think everyone is going to keep their money under their bed like in the bad old days, we pay off debt by minting some crypto, say hey I don't need a house I can live in my box as there are no mortgages? Banks own over 50% of the BTC and Eth in circulation already. Corps and the governments own about 40% of the rest. The banks own well over 80% of the nodes on lightening too.

Banks are already carving up the space. They will be in existence as long as money is a thing. Money is only a very small part of the potential for crypto. what's coming is far far bigger.