I don't agree or like the bitcoin bank idea, sure getting a good interest in BTC is good and getting loans for those asking for them is good but having a bank takes away the anonymity and decentralization is just too much against the idea of BTC.
yes i am also not in favour of bitcoins banks through this way we are going to decentralize it and it will not maintain its anonymous characteristic. therefore online wallet is good for keeping bitcoins, just need to make them more safe and secure.