Bitcoin was invented in order to eradicate the middlemen and intermediaries like the banks. The very idea of crypto-banks go against this principle. First we need to ask ourselves whether we need banks to store crypto or not. IMO, there is no need for a bank to store the coins or to transact them. Anyway.. the banks also may not be interested in a decentralized currency, which they can't manipulate.
I disagree with this statement simply because the vast majority of people, even if they were somewhat totally proficient with managing their crypto (which they aren't and probably never will) there would still be a need to hedge the risk of losing all your funds by losing your private key (or simply getting it stolen).
Imo the future will revolve people keeping their life savings in multi sig wallets with something like 3 keys: one of the people, one for the bank and one for a third actor paid by people. To move the funds you would need 2 signatures out of 3, that would vastly mitigate the security risk while preventing the banks to play with your money.
