So far I believe and indeed I feel that the presence of banks really helps people whether they are poor or rich and I think so far nothing can replace the role of banks in people's lives, some alternatives that look pretty good like crypto which on the other hand can make people know more and feel about its benefits in life but basically not all people can accept the presence of something that is considered to be a solution or savior, and of course for this problem it is the business of the government that has the power which of course can convince and increase trust in the community if it is necessary to make changes.
You really said this with confidence? Na! Banks role in the society is because they help the central bank, the government and the banks itself. None of the money banks has is officially their own, it's people money they use, allow people to save, borrow the same money to people with high interest and then give back little to no interest back to the people that save money. If there is one role the bank has played is the ability to send money from one place to another but are they even free? No, they charge you for it.
Crypto is absolutely for everyone, whether you are poor or you are rich, you will always be welcome to utilize your money with full respect, nobody charge you for anything except for the fees you pay for using the network which is normal everywhere, you don't pay for the protection, the people running the network are been compensated so you don't need to worry for another, unlike the banks that will charge you for depositing money into your account.
Exchanges are sort of like that as well when you think about it. Binance doesn't really have their "own" money in that sense. Banks do have their own money, when they charge you a fee, when they give you a loan and then you pay back with interest, all those are income that the bank makes.
Similarly, when exchanges charge you for withdrawal, the difference between what they charged and what the fee was, it's theirs, also famously the trading fee as well, billions everyday, even a small 0.05% makes a wealth. So all in all, they do make money from our money, but they do make their own money from our money in the end. I believe that it is still a business plan, and looks like it has been working for centuries with some crashes here and there.