You can stop right there, as Bitcoin is nowhere near the place where it is equivalent in any way, shape, or form to "two major banks". If it was, your critique would be valid. Since, instead, it's more like a bank startup, these kinds of disruptions are expected and encouraging, because it allows third-parties to see how difficulties are resolved, and how robust Bitcoin is or is becoming.

P.s. I have never owned, mined, or otherwise installed or used any software related to Bitcoins. I have no horse in this race whatsoever.