I expect whole swathes of the older generation will never choose to switch to the Be Your Own Bank model, computers are terrifying enough as it is without being given the ability to delete your life savings. I'm currently picturing the look on their face when you say to them "But you can back it up in many safe and secure ways!". Forcing their hand with ginormous economic calamities is the only way certain over-the-hill conservative refuseniks would ever switch.