Bitcoin is an ideal system that is designed to do without the services of banks. Therefore, I do not understand why complicating this process. Bitcoin Bank will not bring anything for users except for extra costs and control
For the people who are not much educated to use the computer and internet facilities can start using bitcoin if banking service is started. But as said the decentralization will soon gets destroyed, because the firm having control of the banking system hold the control.
I dont agree to the point as you are thinking only in a narrow perspective. Looking to it with a broad perspective there maybe people who may not be good users of the internet and computer. Like if someone has invested in bitcoin but he is not capable enough to keep his wallet properly or work with it properly. He may need someones services to drive for him.
However the idea of bitcoin bank will be getting realized into our life very soon. I believe people will make themselves get ready for adopting it. Otherwise they could not survive in this digital era.