I'm afraid of big...
You have a valid point about mintchip being a colossal failure, and I don't know exactly why that technology failed, but the banks technically already control the value, supply, and distribution, and already operate their network at a staggering cost. If anything, blockchain technology would reduce the cost associated with running the network and even provide a solid ledger to balance.
The only real obstacle I see for the banking system making use of Blockchain tech, is the revamping of their systems: why fix something that works and makes a ton of profit by the various loopholes available. If a new system is needed, it would be easier to create that optimal banking system outside of the already established bank's jurisdiction, and unleash it to the world hoping it catches on so the establishment can fail without having to pay any repercussions.
Clever move illuminati, clever indeed
For me bitcoin is the only option because there is no justice, just us.