I think credit will exist. I believe that banks will also exist too. The reality is that people are probably not prepared to self custody both on a technological knowledge level or based on responsibility.

Banks have a 'trusted' place in society and possibly will continue on that path. We already saw that people trusted ftx based on faith in institutions so its probably jot such a stretch that banks will custody digital assets like bitcoin and nfts proving ownership for most people.

They will supply the credit also through cbdcs I guess