I think orgs like Coinbase which is now a bank will become banks. The question in my mind is whether it's possible for fully autonomous algorithmic stable coins to be independent of human action. Those banks not taking initiative will be left behind.

In my area though, there's a large Amish population that has taken over since 2009. Most of the farmland in northern NY went bankrupt in the financial chaos of 2008. The result was that Regan real estate (and others) made a special deal with NY legislators to bring in Amish from Ohio and Pennsylvannia.

The Amish will never adapt to crypto. They will go to gold, silver and their own paper money if they have to. So maybe there will be a few banks left in this area serving them.

The Amish are not to be underestimated. They've taken over most commerce in this area.