You need banks to hold your funds and transfer them- oh but wait Bitcoin does that- so you don't need banks for that anymore. You need banks to provide finance- but with Bitcoin people have more funds and are less reliant on debt- what may be needed is intermediaries of some sort who provide credit with the Bitcoin funds depositors provide, or people learn to provide finance in a more crowd funding manner where the intermediary enables this...or people learn to fund projects more directly- you have a project and seek funding and offer terms and security to people you know who have funds they want to invest...and you profit share accordingly. Ultimately, hopefully Bitcoin should reduce the need for banks considerably...and we all gain more financial sovereignty. The more we can eliminate these rentseeking middlemen usurers the better IMO.