Banks do not only do those two things, you left off the most important thing and that is banks are businesses out to make as much profit as possible and they have a legal licence to print money as well, beat that. They will catch any runt that tries to take their stash away and put a gun to their head. Bukka! Over innit.
Okaaaaay.... your argument is that A: they WANT to make money and B: they can PRINT money.
I think that we all want to make money, so that is HARDLY a viable business plan in and of itself.
... since they cannot PRINT BTC no matter the amount of guns they have your argument is basically... retarded.
Bitcoin 100% does not do #1. You personally are the guy in charge of security of your bitcoins, just like you are in charge of your own regular wallet
Semantics; you are also in charge of picking the bank to keep you safe and carefully reading the terms so the two are exactly the same.
#2. In a way. Bitcoin proposes the protocol for exchanging "money" (bitcoins) or "value" or whatever you want to call it. Again, this is slightly different from your point. Actual clients (or implementations) of the bitcoin protocol are a means of transferring the bitcoins
"Bitcoin" refers to the network/protocol/client-swarm, "bitcoins",
BTC or "BTC" refer to the unit of exchange. (wiki definition)
Now I REALLY REALLY don't care about stupid ass pretentious semantics/grammar, but as I said "Bitcoin does both" using the word for the network and NOT the word for the currency I was in fact saying it exactly correct:
The Bitcoin network blockchain stores wealth and the Bitcoin network blockchain transfers wealth.
Bitcoin IS money - because I can buy shit with it and get paid with it, go live under a bridge troll.