My friend... you need money to do business... I don't think we have reached anywhere near that stage that you pay HIve as transaction for some service stuff... so crypto right now, not really solid money, its a investment I agree.
Crypto wallets particularly metamask can be hacked, banks atleast good banks safegaurd your funds.
You get interest in banks for depositing your money, but you don't get it in crypto wallets although you can choose to use it in DEFI apps, but again crypto assets are not solid money, that's liquid to be of immediate use.
With online, you can transfer money from net banking anytime, you don't need the banks to be open for this.
You have to correct this sentence 'because what is better for you and I may not be better for another person.' remove 'and I'
YOu need banks rightly to be part of financial system and benefit, and traditional banks are linking to crypto, so it can be traced, your wealth, where it goes and all.
You really can't use crypto like money unless, your country regulations are ok with it and crypto is acceptable payment option and all... without that this bank vs crypto wallet discussion won't make sense.
Anyway... nice thoughts but rght now not practical