It doesn't matter what banks do, they can and will create their own frankencoin, where they can control 100%. The real question is what will people use to pay other people, without the bank. Banks are going away, there isn't a need to store money that way anymore. They are only really needed to protect your money against theft.
Theft from who? They steal more of it than anyone else with their constant money printing and zero interest.
People still have this idea that masked gunmen will roll into town and steal all the money, as if we still live in the 1800's.