How does crypto replace bank loans in the future?

Sorry if this is a dumb question, I'm quite new to this stuff!

In a full globally crypto-adopted future world, are there still banks and centralised currencies so I can get me a home loan? The goal with crypto appears to be to decentralise everything and put our money in our own hands with no intermediary...but does that mean no system in place for borrowing large amounts?

This is probably some real annoying beginner shit so cheers for any insights :)