Banks don't really want to be more efficient and charge less fees. Banks are essential to any system (capitalism) that requires a currency. Nobody would want to

Banks don't really want to be more efficient and charge less fees. Banks are essential to any system (capitalism) that requires a currency. Nobody would want to be a bank if they could not charge fees. No bank would offer loans or any kind of securities without some backing and protections. Since Bitcoin is finite, semi-anonymous and not backed by a central bank or government banks will never have those protections. So instruments that are essential to our economy like car loans, mortgages, etc. will not be possible. Does anybody really want that?