Bitcoin cant replace banks,either their services,do you think someone will lend you 50 btc to you repay in 40 years?Do you really think this is going to happen?Banks products even being expensive they give you time something that bitcoin cant give .
That's depend really with the usability of Bitcoin worldwide. Nowadays it's not going to happen even in the nearest future because banking services are already used a lot more than Bitcoin , but if Bitcoin's currency conquer the world there is a possibility that things change
It is hard to say that, but many people need their banks and there are also a lot of people that dont even know what Bitcoins are so you must fix first that problem.
If it is more used and more people know that, than you can talk about it but not now around this time.