In theory I agree with you, but practically speaking for at least other ten years, banks will keep on giving their services... And I am sorry for you Ripple at the moment is the only coin that can afford a lot of critical bank issues. Have a look in this article:
https://ripple.com/xrp/xrp-stacks-digital-assets/
If you agree with me, please upvote! Thanks guys
RE: The Ripple (XRP) talk