If we are still using centralized services...
Then I agree that Banks will eat the current ones.
I don't really feel like typing but pretty much what @yabapmatt said.
I actually hope for neither and hence why a big suppoter of Bisq,HodlHodl,Boltz,Sparkswap and a few others. Dex should be the Ultimate way to go.
But what currenctly stands, people trust banks and banks have a major brand name so they have a huge chance of eating coinbas and others.