Hard to discuss the topics, since only people on Bitcointalk forum can participate, we already believe in crypto, know about it and have been educationg ourselves on it.
I would really incourage people to invest in ICOs they believe in, every ICO almost also has a bounty program which is a great way to earn some free tokens
For sure they would have to adapt, but i dont think this will happen since making changes in such big structures is close to imposible. A new version of banks will occur that will be agile and prepared for the world, we just need to wait for the legislation to clear.
Everybody who will join the market this year will not be late. The cryptocurrency is very young, and many people do not know yet anything about altcoins. I guess, it is a good time now to invest in crypto.