I agree that in order for cryptocurrency to become massively adopted it has to become more user-friendly. It is an absolute struggle to acquire and spend cryptocurrencies for people who aren't tech-savvy. However, I'm not sure if banks, or the current financial system in general, is best suited to solve this very issue. Let's not forget that the biggest benefits of cryptocurrencies is that of decentralization. Banks aren't needed when there is a decentralized solution. As soon as financial conglomerates step in to fix the issue of usability we lose the core benefit of blockchain technology.

Will banks try to use blockchain technology to enhance their processes and services? Very likely. Will banks resolve the issue of usability? Possibly, but it will come at a cost.