Definitely not crypto banks. I mean more of - people being able to do the transactions themselves straight from their phones or whatnot without the middleman (the banks). That's how crypto is supposed to work - and people just pay a transaction fee ("gas fees") to get the transaction done. There's a lot of work that's already been done to bring down the cost of gas fees too. Staking is like lending out your money and pooling it together while whoever borrows it has to pay you interest instead of paying the bank interest. There's a lot of shitcoins and corrupt things with crypto for sure, but that's a problem people collectively also need to solve - maybe don't "stake"/lend out your money to shady coins is a start and don't chase after this big marketed bullshit (FTX scam anyone)? There's a reason why techbros, wall street etc got in and it's because they're circumventing regulation - so looks like the bank even in this current state despite being regulated still do tons of shady shit. The penalties are just the cost of doing business.

It's a dual edged knife. Want to be free from the middleman banks? Current regulation standards don't even hold a candle against crypto. Crypto is community driven, decentralized and possibly even anti-inflationary. There are a lot of advantages but also in its current form easily perverted. Anyways, going to stop here as we're off topic.