they most probably can not, at least not right now as banks are really strong nowadays and most people rely on them
i think that a lot of time will have to pass when uᴉoɔʇᴉq will be strong enough to change banks
Now or then replacing is a difficult process. Past days bitcoin grew when people were not much aware of digital currencies. Now when it popularized more users adopted it but has not avoided banking. In this way replacing of banks is highly impossible.
Indeed, but the fact is also that the bitcoin is digital and it has a good future a head but the banks are way bigger and a lot of people are depending on it.
Plus another fact is that I do not see people stepping over to the bitcoin itself, I even think that is highly impossible.
The last thing what also be a problem is elderly, elderly are not digital, so they will never step over, the new generation is fully digitized so it would take even years before it could happen because then everything is digital.