I strongly disagree with what the expert says. We still need bank because business borrow money from them as well as ordinary people to purchase their home or even a car. Bitcoin would only be a type of currency that we use to buy.
I completely agree. Everyone seems to forget that the most important thing a bank does is convert one valuable thing, an ability to generate income over time (ex. a company with good products or a man with a good job), into another valuable thing, money, by giving them loans (new money with fractional reserve banking).
Bitcoin alone cannot do this. We need banks to judge the credibility of the business or the men that want this new money.
By the way, banks can do this with Bitcoin using fractional reserve banking as well. We'd get checking accounts denominated in Bitcoin. This is exactly the same as a Spanish bank in Spain allowing you to open a checking account denominated in dollars. With many such accounts, they would only keep a fraction of their liability in dollars. Fractional reserve banking again.
Yes bitcoin have importance in the online market but there are still many countries who don't know about bitcoin. So it is difficult to make bank disappear because people have more trust on banks. 
. That is one of the factors why bitcoin cannot replace or make banks disappear because bitcoin lack in features like giving opportunity to take loans like the banks does. Bitcoin and banks will stay and we cannot stick to just one of them because that will be hard for us to earn or take loans easily. Just use them both because they have their own uniqueness.
