I agree, but I think in practice it will be quite simple. Most people have phones which can be used as wallets. I already pay for my coffee at Peet's with my Nexus 5 using NFC. Assuming most drip into a spending wallet, and are OK with that spending wallet's security model, this leaves the challenge of implementing savings wallet security.
Banks are already set up to provide these services and when they decide to jump in, adoption will take off pretty quickly. Those services could come in the form of cash exchange at ATMs, wallet hosting, compromised savings wallet insurance (if they host your wallet), best practices around passwords/etc., loans, and cold storage security via fireproof lockboxes.
This will (obviously) require the banking industry to wrap their heads around these new models. How long that takes is anyone's guess.
Banks are already set up to provide these services and when they decide to jump in, adoption will take off pretty quickly. Those services could come in the form of cash exchange at ATMs, wallet hosting, compromised savings wallet insurance (if they host your wallet), best practices around passwords/etc., loans, and cold storage security via fireproof lockboxes.
This will (obviously) require the banking industry to wrap their heads around these new models. How long that takes is anyone's guess.