Better in my wallet, bitcoin was actually made to eliminate banking and lots more.. IMO
LOL... I agree with you 
As has already been said, it has nothing to do with BANKS. I would propose to call these servers not banks, but something else, as this has very negative connotations these days.
It's a mean to send bitcoins to email addresses! Nothing more nothing less. And on top of that an ecosystem of services can be built. It's a major simplification for all Bitcoin users and open a lot of opportunity for businesses, conceptually it's like what PayPal propose but on your own computer and as decentralized as the email system is. I have advanced a lot on the alpha version of this software and expect to see it in a few days... There is not a server specific part you can use an existing xmpp server on the internet to create your account, even your own server, the clients communicate and send payments between them directly. Actually the software is based on electrum and so is a self contained wallet and also a mean to easily handle incoming payments on your website with a simple RPC API soon.