You introduce a system which efficiently transfers, stores and protects the record about the amount of ponzi tokens, and then you advertise that this is benefit or utility of the tokens.
And you advocate a system that inefficiently transfers IOUs, doesn't store or protect anything if the bank in question fails and may not be available on Bank Holidays for some transaction types.
The simple fact is, the utility Bitcoin provides is real. It performs functions fiat cannot perform. It provides guarantees which fiat is unable to provide.