I believe that there will always be a need for lending institutions but it will eventually be totally restructured, and might even be tied into the blockchain. When banks begin to accumulate crypto as assets, then you know it is game over for banks. One thing for certain for this to happen - ease of access to ALL crypto and conversion and liquidity being paramount. The day will come when at the POS all you will need to do is provide your fingerprint and then select your crypto flavor for payment from the onscreen menu. And guess who will be in control of the accounts management process and oversight? The banks of course!