The banking system is not perfect. It is slow, expensive. But, for now, I see no other way out.
Show me a cryptocurrency, which I can pay at the supermarket in seconds for some products. BTC? It is also expensive and time-consuming.
I see cryptocurrency can replace the banking system. But not now.
Yes, I agree, it is a goal maybe reachable with time, but still far away.
First of all, the scalability problems must be solved to easily support a high number of transactions without the fees getting too high.