The banking industry does a ton of things: holds salaries for billions of people, performs payments for billions of people, holds bank guarantees for millions of people, offers loans to millions of people, offers savings accounts (not amazing these days, but they're there). They also do the same for millions of businesses, with even more complex products.

Do you think that all of that can be waved away? What do you think will replace it with crypto? Nothing? Where will I get a loan? Heaven? The Moon?