A decentralized banking system will be terrible.
You make some mistake and your bank can help you. Yes Bank goes down and government can assure and assist you in getting your money back. Your bank can support you if you are a victim of card fraud. There’re financial and investigative agencies to help.
Be your own bank and see your money going up in smoke.
You may call me naive or fear-mongering about blockchain but it’s hard truth that world is doing just fine without a 40 year old Merkel Tree technology that no serious entrepreneur is interested in.