Swift,

Here's another aspect:

Lets imagine that there are no transaction fees in 2040.   At that time, there should be strong Bitcoin banks and other financial institutions.  These institution will have every reason to run miner to keep the integrity of their own transactions and to make sure that deposits are safe from attack.  If I'm not mistaken, miners can pick and choose which transactions to include in a block.  I believe Mt Gox runs miners to speed verification of transaction.  Mining helps bitcoin financial institutions even without transaction fees or rewards from new blocks; The incentive already exists. 

Today, banks must pay fees for things like checks (yes, I'm American).  They spend huge bucks on robust, secure equipment, and yet they don't earn "transaction fees" on transactions.  Often times they are the ones paying them.  Why do they do this?  To offer a secure service to their customers, thus making them more appealing.  Would you save money in a bank that had bad coverage after a hacker tampered with accounts?  If these financial instituions suspect that billion of dollars where at risk, wouldn't they invest even more into computers?  Why wouldn't this translate over to a bitcoin economy?

And some adive:
I'm sorry for the harsh responses that you have been receiving, but there is reason for it.  You come across arrogant and condescending in your original post when you say things like, "The stupid part about is.." or "This may not seem like a problem, it IS."  A change of tone will help to build friends on this forum.  Most of the people here are very intelligent and well studied on the topic.  For a newbie to ram an opinion down our throats seems out of place. 

Good luck to you.