I do not think that we need it at all, we all ready have online wallets and I think that is okay and nothing more is needed.
I think that's not a problem, even if you do not need it, but it may be users out there will need them. I think it does not matter if it was made, you're free to use your wallet or bank
yes that is also right and what if the present bank start accepting bitcoin.? will it be more convenient to use them for bitcoin transaction, what will be their fee structure and how the people will respond it.