Moreover, banks are not even necessary, since companies can settle directly with each other.
I don't think Lightning is the scaling solution for the end user simply because it is not feasible to create a Lightning channel for every person on earth, but it is feasible to use Lightning for international and national settlements between banks and companies.
Banks are useful to society for financing business projects and taking on the risks of lending money.
Their tokens (taproot assets) could be issued as e-cash. On your ecash wallet you could have multiple tokens, exchangeable and convertible to sats, from different banks and earn interest or just hodl the sats if you don't care financing the economy.
The problem is the central banks, not the private ones. To seperate government and money, it's the central banks that must be removed.
