Agreed. My main argument is that offshore banking in the form of anonymous accounts had a very important role for political and financial privacy reasons. This would mostly fall under the retail side of things especially in terms of deposits. That model is very quickly fading (pretty much gone). I do not foresee the banking industry as a whole disappear, but it definitely will need to evolve, meaning banks will need to determine how to adopt crypto-currencies and integrate them into their business models. Thanks for your feedback.