I don't mind at all if a merchant do not accept bitcoins. It is, in the pure sense of the expression, his business. It's just the same with gold. I own most of my wealth in gold, yet I don't care if I can't buy anything directly in gold. Most of the things I buy, I buy them with euros I freshly converted from a gold sell. I only convert what I need when I need it, so I don't have to hold the silly money the merchant wants during too a long time.
Hell it's even great that merchants want me to pay them with crappy currencies. Because they are so cheap!
With a bicoin-friendly bank, I could convert my real money (gold and bitcoins) into shitty money (USD, EUR) in an even faster, more efficient way. What's not to like?
+1