Re: Bitcoin-Central, first exchange licensed to operate as a bank. This is HUGE
We'll see when most large exchanges and >51% of the commercial miners "partner" with the banks and their government regulators in their respective countries. Not only are they going to be "bought out", but there will be no way to prevent the banks and governments from changing the fundamental rules of the Bitcoin software, and making it into a p2p PayPal with their usual rules. 
Nobody is required to use exchanges. People appear to do so largely in the hope of making a profit - we saw people gravitate towards HYIPs when the price of Bitcoin was low and stable earlier in the year.
Within the Bitcoin ecosystem there are different factions with very different agendas - it is up to each faction to advance their own agenda. What Bitcoin ultimately becomes will be determined in part by how people use it. If the majority of people want to use Bitcoin as a p2p currency outside of the conventional financial system, then services which are substantially based on interacting with the conventional financial system will decline in both number and size.
If it looks like at the moment Bitcoin is replicating existing financial services/products "but with Bitcoin", then it's because people are demanding/using those services.