The banks would have no power over enlightened individuals.
I agree with this statement since cryptocurrencies became a viable alternative. I would disagree with the declaration if cryptos were not yet around. Because without an alternate way to transmit value, whoever controls the currency has enormous control over users of said fiat currency.
Since cryptocurrencies are indeed a feasible alternative to government and central bank issued money, we have to ask the question "Is it easier to get cryptocurrency widespread, or does the least challenging path involve making the majority of people enlightened?"
I don't see why we can't tackle it from both ends, but I think the former is the most expedient path.