Banking system will persist as long as persist loans (and humans love loans)...
Governments and banks love loans. Other people not so much. Prior to the 80s loans were actually paid back with real savings. Minsky describes that the end phase of debt systems is towards disequilibrium because more debt is required just to pay off old debt and cover interest. Economists always forget Minsky.
I'm sure you are aware that the whole point of bitcoin is to replace centralised systems like banks. You can argue with this all you want but now there is real competition and choice.
Banks were not centralised initially, so centralization is not inherent to them. It means that they can coexist with bitcoin without a hitch...
Businesses love loans too. If banks make loans, someone necessarily borrows from them
If banks made loans and someone necessarily borrows then why are there $4 trillion sitting in bank reserves? Why is velocity at decade lows? It is simply not true that someone necessarily borrows. There is a limit to debt based systems and I can see the end is coming soon.