It makes sense if online banks should hold a large portion of your wallet. 
1. They give you interest on your money (which they can give to others for loans).
2. Can protect & give you insurance if the wallet/password is hacked = all your life savings gone.
3. Wallets are already charging fees, so small fees for #1&2 above is OK.
4. Other online Wallets don't give the above, and thus you lose all your hard earned money.
5. In case of fire or damage your hardware wallet (computer/phone/hard drive/USB stick/ back up) can all be lost.
6. Option: If you forget your password/key, an Online Bank can help you recover your password/key and therefore all your hard earned money.
Also Bitcoin.org is telling business they are not required to reimburse consumers for some transactions like credit cards force them to do, well that's a downside for the rest of us (the buyers). So again a similar credit card (or something of the sort) with a small transaction/insurance fee would be convenient.....
1. They give you interest on your money (which they can give to others for loans).
2. Can protect & give you insurance if the wallet/password is hacked = all your life savings gone.
3. Wallets are already charging fees, so small fees for #1&2 above is OK.
4. Other online Wallets don't give the above, and thus you lose all your hard earned money.
5. In case of fire or damage your hardware wallet (computer/phone/hard drive/USB stick/ back up) can all be lost.
6. Option: If you forget your password/key, an Online Bank can help you recover your password/key and therefore all your hard earned money.
Also Bitcoin.org is telling business they are not required to reimburse consumers for some transactions like credit cards force them to do, well that's a downside for the rest of us (the buyers). So again a similar credit card (or something of the sort) with a small transaction/insurance fee would be convenient.....