The Vault
A Bank, but not the type you're used to - In the tradition of the first banks (goldsmiths),  The Vault would be entirely focused on security, with an emphasis on ease of access to funds securely and remotely, and would have two types of accounts available

1) Daily Account - Person deposits their bitcoins, pays perhaps a 0.5% annual fee, and in exchange for that The Vault secures and insures them, keeping the specific bitcoins that person lent in a secure and heavily encrypted location.  You might get a physical card, or a QR code, or you could do something cute like have an app that integrates with your browser like secure keychain software does, except this facilitates secure remote payments from your vault wallet.   Basically, you pay them a small fee to guard your BTC.  If you are robbed, the vault is on the hook and reimburses you from reserves kept for that purpose.  This should all be transparent.

2) Timed Deposit Accounts - This is basically you making a loan to the bank where you give them say 100 bitcoins and agree to not withdraw them for 30, 90 days or longer, and in exchange the bank pays you a rate of return relative to the amount of time the deposit is for (1 month - 2% 3, month 5%, 6 month 7% etc.), the bank then looks at various projects and people who need loans, determines which ones are benificial and have a good chance of succeeding and therefore paying back the loan, and they loan at slightly higher interest than they pay the depositor (the spread depends on alot of things, but there is plenty of profit to be made without gouging)  Interest rates would be higher than people are used to now, but the environment of slow deflation makes the money earned when the project is completed worth more than the money borrowed to start the project in the first place, and with the ability to participate in a stable environment means growth and prosperity all around.

In a nutshell, this model focuses on safety and stability above all things, and notably is the only way you can set up a bank in such a way to not follow the practices of fractional reserve lending, which are the downfall of fiat money over and over and over again throughout history.

So would you use The Vault?