If bitcoin gets into every part and parcel of life like fiat money and you are able to get paid,pay your rent,buy, sell, raise loan and do anything with bitcoin then what is the point and role of BANKS!
With the rise of modern consumer banking [1] most of the public has lost touch with the real purpose of banks. Banks are supposed to act as creditor agencies and they still do, but we erected a lot of insurance structures to prevent loss to savings accounts. I assume youre American(just going by your outlooks) - most of these things were created after the Great Depression. You'll notice today that when you go to a consumer bank, eg. Wells Fargo, they concentrate on meaningless 'customer service', things you neither need nor want, rather than the *bottom line* ie 1) returns 2) access to capital. Modern banks offer virtually none of those two critical things.
So in the future, I think there will be something of a return to 'wildcat banking', and riskier- but more profitable banking products. Partially because it's obvious our system is broken and partially because they can't stop people from gaining access to these new instruments. I wrote about how to create a P2P Savings Account and Credit Card here in this paper I wrote some time ago:
http://www.altchain.org/?q=whitepapers/paper3.html[1] ie. FDIC and Glass-Steagall Act
