Haven't you just described what Coinbase is trying to do? Become a bank?
Only they are starting with the cryptocurrency wallets and will likely add current accounts and loans later, after they've floated on the stock market and raised a lot of capital.
I'm surprised the existing banking system can't see what is coming.
they most probably see it that is why they are trying to fight it instead.
because they know that those who want to use cryptocurrencies such as bitcoin which are decentralized are using them because they are decentralized and because they don't need a bank for that matter. these people will never use "banks for crypto" no matter what they offer. and in the long run we will have more of this group. so offering such services may not be so profitable for them.
That's it. They aren't stupid. They have people that are doing market research and surveys for them. If it was really profitable for them to embrace cryptocurrencies they would, but the risk is greater than the benefits. They'd have to write a lot of new software that most of their people know nothing about, so they'd have to hire some young programmers from the crypto scene, people who they don't know and don't trust. They'd be putting their existing clients at risk by implementing new crypto software that no bank has ever used. And all of it for whom? That 0,5% of the society that is interested in cryptocurrencies? How many of them would actually use the new features like crypto loans? They can get a crypto loan if they want by getting a normal loan and buying cryptocurrency themselves.