I can see that it might be a trojan horse by the banks. They are not entering the cryptospace to cooperate. The big banks want to run everything and become the final gatekeepers similar to what the SEC has also begun to do.
Or it could go the other way. In their attempts to 'control' Bitcoin, and I don't think they care enough but hey, the smoother the on and off ramps they enable are the more people cross over into crypto and don't come back.
If people earn in it and there are enough places to spend it returning to fiat becomes a bit pointless. If I had something for sale now I'd much rather take BTC for it. I'd happily spend that BTC elsewhere if I could.
Controlling banking now seems like an all powerful move. In retrospect it may look like a period where they helpfully provided a stepping stone to leap beyond them. Then it reverses and banking becomes something you occasionally need to dabble in for olde worlde transactions.
I am sorry, however, that appears to be a utopian dream everyone had when we discovered the cryptospace hehe. The lenders and the controllers of the money have always ruled over everything.
Also, it might be our doing because cryptocoins are mostly treated as speculative assets to convert back to fiat after holding for profit. JPMorgan thought that it might be profitable to do business with exchanges and maybe later own the exchanges hehehe.