Another possible scenario is government agencies which go after individuals who continue to use the service after it being deemed illegal or whatever; I proffer secure servers in far-flung reaches of the globe, actually as many places as possible, acting as CoinReserves whereby people store their bitcoins in confidence for the long-term.

It's not banking, it's more bitcoin storage. As my servers are in Africa naturally I've been getting a lot of stick for the idea in my thread, but consider the link in my signature.