Not mentioning that exchange or online storage of bitcoins would require to be a bank, which involves a lot of fees and time (can take up to 5 years to create one).
Not true. Where I live (Bucharest/Romania) there are dedicated exchange houses which are not banks. You go in, give cash, get cash in another currency. I've seen these in other countries.
Those still need to be licensed (and are legally treated as a bank in most countries).