Actually, banks are on their way out. It is only the ignorance of the people that keeps them going. Here's what I mean.
Banks are set up to take property away from the people. They do it is several ways.
- Inflation exists. Inflation makes cost of goods rise faster than wages. Banks take their inflation money before everyone else.
- Financial institution loans are not loans. They are creations of new money. When the so-called loans are repaid, the banks are getting something that doesn't belong to them. And that says nothing about the interest.
- Things like quantum easing are fast creations of on-the-books cash. They give extra value to those in control of things by reducing the value of the everyday dollar.
Many people understand all this. Big business people are doing something about it. See here
https://bitcointalk.org/index.php?topic=5035677.0 to see what some big business people are doing. They are seceding from the United States. The way they are doing it is financially, by forming private groups, so that government has no effect.
How does government have no effect on private groups? By Constitution, law, and court case. Watch the video here
https://bitcointalk.org/index.php?topic=5034594.msg46044822#msg46044822. Also, Google "Private Membership Associations."