Yes, I think sooner or later banks will join the crypto<>fiat exchange system, either by investing in regulated exchanges or creating their own. I'm worried that things like localbitcoins.com will be shut down eventually.
They will choke the exchanges. So that is why people should start accepting crypto in many stores, especially grocery stores.
I would really like to buy a meal for some Steem or things like that.
I think Bancor will solve this problem. each one having their own token based on their own rules.
Certainly the possibilities are many.