Be your own bank. That's what Bitcoin offer to everyone. But because people wants convenience, the banks are useful for online transaction thru their app.
The banks today will start to act like they are worrying whether you are going to pay the kidnappers upon trying to withdraw $50K. You are perfectly fine and all your family but they may hold it for a bit. You will have to answer a lot of questions and will just give you $10K in the end. This is what happen to a friend recently.
And this is precisely the problem, people like convenience, and while I can understand that to a certain point there must be a limit somewhere, banks have abused their position for a very long time and people instead of looking for alternatives have just accepted that treatment.
However I think we are getting closer to a breaking point in which the abuse of banks is so over-the-top that people will not be able to ignore their abuses anymore and they will have to take responsibility for their money and look for alternatives, and when they do bitcoin will be there to help them.