molecular, before laughing in your hubris, I would dwell on what she really means rather than technically. There's no real need for p2p if there are central companies who will deliver a good/convenient experience at acceptable prices. Think Steam and Netflix. Who's to say banks couldn't get their shit together if they wanted to?
I've dwelled on that before, don't worry. A decentralized consensus protocol is a necessary requirement for a censorship resistant currency that is open to anyone, can't be inflated, and has at least the possibility of anonymity.
Banks getting their shit together? The greater fear would be iBuck or googleDough, but they wouldn't offer half of what Bitcoin has to offer. Of course they could be pushed hard and might have some success, but that's nothing like cryptocurrency. It's not about delivering some
good experience to some US customer, it's about
the other 6.5 billion people on this planet.