You can't agree or not agree with a Bitcoin bank since there already is a bank. You are the bank. If you don't know these things then why re you on the forum ? Knowing you are your own bank is the basics of bitcoin. Anyone entertaining this silly notion shouldn't even be involved in bitcoins never mind be on this thread.
i also think that it is not such a good idea. to me i think in currently time the online wallet system is the best system and i will like to continue using this system, as in bitcoin bankiing system will will just like the other offline banking system but still i like to continue with online wallet system.