I think the "bankerization" of crypto is indeed inevitable and as the market cap and popularity of the ecosystem(s) keeps growing innovation is bound to keep happening. On top of this I'm sure that after covering the "regular" investment and financial service functionalities, the blockchain will keep innovating and coming up with things that were never possible with fiat.
What we're seeing now are the first baby steps in that direction and I'm sure there's a lot more to come even with governments and industry currently providing those type of services might want to fight against that.
Decentralization comes with a lot of advantages and freedom and allows for a lot of growth and profit. Be we also have to try and keep our feet on the ground and remember that it can all also come crumbling down in a market crash, especially as more and more unsteady and panic-prone hands start holding crypto instead of hodling it.
So if we don't want to smell the stench of tulips, we should be hoping that all of those projects bringing additional utility to the vast crypto ecosystem succeed and keep creating value.