Bitcoin prospects are still unknown, whether it can replace the banks largely depends on the attitude of the government, it is theoretically possible, but does not rule out the emergence of more advanced technology.
Perhaps the trend is that banks should support bitcoin development. After all, the encrypted currency has proven to be a cost-effective transfer or remittance.
One thing that I am thinking that will be sacrificed when bitcoin is being regulated by the government is its decentralization, which is as far as I know is against the bitcoin. Now, if we are talking about banks, we are talking about legal and government regulated money is what they are running, in short we will end up being used by the government and for sure lots of changes will happen and I don't think that it will still be called bitcoin.