Mobile and internet banking has made our lives easier.
No need to go for queues and be impatient about the long line. Very quick and easy, with just few clicks away from your home, you can transact, pay everything you want and even deposit to your other accounts.
Yes, and dealing with the "security measures" of internet banking are a PITA. Maybe yours is dreamy, but ours we get nagged with periodic password change, a special code sheet required for certain operations, the idiotic page kicking you after 60 seconds of inactivity, copy and pasting someone's account, name, id number etc. Be unable to pay service a in bank b, once i had a bug where i transfer an amount to my self and the thing decided to do it 3 times until it used all the money (thankfully it was to myself and not somebody else) when these kinds of thing happen, you are supposed to go to the bank to complain.
Its nice when you can avoid the queues, but not so nice that you have to use a bank in the first place. My country became cashless by force (of inflation) so people depend on debit cards (because credit cards stopped). I have done bitcoin transactions, and i would rather not bother with banks ever again.
Besides when you have to open a bank account, is not a pleasant experience. There is no need for any of this with bitcoin. Did i mention how long it takes to transfer money to yourself to another bank where you also have an account? And people complain about Bitcoin being slow... And then there is theft. Well when my country's coin went worthless, these stopped as the robbers no longer consider it worth it, but it used to be common to point a gun to someone and force them to withdraw all from an atm, or clone their debit card and capture their pin at the atm, or clone the debit card at a shop after you made a purchase (since they already got your card and pin).
Banks, i don't need. Fractional reserve banking, even less. Banks only started (openly) doing fractional reserve by the 20th century, when coins stopped using precious metals, they didn't just became paperweight physically, but also in value. But few people know the truth about banks and fractional reserve, and some fools even think the banks keep their money safe.
Answer: I prefer Bitcoin, screw banks, mobile or not.