BTC is funny, it is revolutionary, but it does not really have anything to offer over insured money in a real bank. Bitcoin, if it ever wants to have the every-man invest in this "currency" it needs to offer some sort of insurance, which usually requires identity. Digital cash that is anonymous can not offer this, so it is inherently flawed. To use it, quite simply puts yourself at risk.
So really the banks are correct in their assesment, the real value quite obviously is indeed in the blockchain technology.