Thats why people should store their bitcoins at MtGox so they never lose their bitcoin since MtGox is more or less a bank.

The features are already in Bitcoin and people are already developing a solution to that for the future.  It is called a "dead man's switch" and uses "pay 2 script hash."  If your coins are dormant for a period of time they can be automatically transferred after a period of time using a time lock transaction but the mining protocol would need to be able to process these.