It's interesting how people don't seem to understand this. For the majority of people, dealing with banks is no big deal and in-fact, preferable because the bank abstracts a lot of things most people don't want to deal with. Having the option to not use a bank, however, is a game changer for the few people in which banks act as a gatekeeper to the economy or those who are more involved and want complete control over their money. This is a good thing.
It's about having the __option__ to go without the middle-man if and when required.
With more centralized institutions adopting these decentralized tech, it gives the entire network more credibility in the short-term (adoption phase).