I’m actually reading The Price of Tomorrow rn (but I’ve been procrastinating). I’m sure it will make more sense when I’m done. I do think banks will still exist though, just not how we know them today. Not everyone will want to self custody their corn, for various reasons, so I think there will be a plethora of custodial institutions. Exchanges act as banks in this way now. There will also be “mints” as in fedimint that will be similar to small community banks issuing ecash to “depositors”