If the crypto banks really will be called upon by the state, it would be much easier for citizens. Because what is cryptocurrency and harder to get from classic banks? These are microloans. Cryptocurrency is very affordable for such operations as investing in small shares. This is not just a deposit with an annual rate, but a complete system for investing small businesses.
Nowadays, such a request does not seem crazy for promising people who save (in part) their savings in bitcoins and popular altcoins. It's funny, but things that a couple of years ago seemed to be nonsense, gradually become mainstream. Therefore, cryptocurrency banks will become a new stage of evolution for the entire banking sector.