I don't know what you mean by this.
> But please note that I did not list "online banking becoming impossible" as a likely outcome.
No, but it should be a likely and maybe even desired outcome, especially if a justification for surveillance is the prevention of online banking fraud among other crimes.
> Merely malware continuing to be state-sponsored, or certain communications to be surveilled.
Norms and mores change over time, so the only conclusion is that "certain communications" will become "all communications" at some point in the future. I'd love to be proven wrong.