Micro payments that are possible with bitcoin are not possible in the banking system. Things like minimum account balance, maintenance fees and so on are non-existent. To open a bank account you have to money, multiple forms of government ID, mailing address and on and on ...... with a bitcoin wallet you need a smart phone or free access to the internet at a public library. Done, there's your no fee, no minimum balance bank account that can transfer funds anywhere in the world for no or extremely low transfer fees. and much more. If you still don't get why you are insane to not be in Bitcoin right now, wou're thinking very 2 dimensionally. Bitcoins potential is extreme when you really start looking at what it could do.
Fundamentally, banks are in the business of pricing (credit) risk. This can continue in the Bitcoin world too. Banks can still make money by lending.
It is only recently that banks have started focussing on fee income (maintenance fees, transaction fees, etc) because it carries no risk. They have always been in the business of lending and collecting interest.
I do agree that Bitcoin and banks can be "friends", if not friends, coexist. I dont think Bitcoin will effectively replace national currencies, but both systems will coexists and create a sort of balance (ying-yang sort of stuff), a system that is deflationary and a system that is inflationary that can interact with each other.
