The EU is planning on getting rid of banks ???

Not so much ‘get rid of’, but you won’t need a bank account to use the digital euro.

most people will use it through bank accounts , so not much difference

Traditional banks have already been severely disrupted by financial start-ups that only charge low fees. People will switch if they feel the cost pressure.

I don't know about the mainland but in the UK most fintech startups ultimately try to get a bank license and become fully fledged banks.

That's just the legal red tape to further encroach on the turf of traditional banks. They are still significantly cheaper.