You're right on a lot of these. I just want to add that banks are longer against crypto, fiat will not get replaced until crypto can do instantaneous transaction with a stable value. Banks are smart, why would they fight the inevitable when they could be making more money from it?

Wouldn't it be marvelous if banks are the savior of crypto when crypto is on its last leg?

Time is changing, it's not so black and white anymore. Institutional investors are shilling for BTC as much as they were shilling for dot com stocks.