Correct me if I'm wrong, but don't some bank services, like the infamous mybitcoin.com, offer an instant payment service for it's members? This actually increases the oppurtunity value of your BTC since there's no need to wait for block confirmations.

Having said that, I think what Joel was trying to say (despite the strange wording of the last sentence), is that if a bank gives no benefits (ie. interest, instant transfers/payments to other bank members, etc.), there is no reason to use the service.