I don't like it because it takes a very important and a big part of the meaning of bitcoin, the decentralization which is against the concept of a bank (accumulating money from various depositors and is very "centrist concept").
The reason a bank won't work isn't because of that, but because banks gain profit through lending to traders, currently, lending in the bitcoin field is very risky and actual skilled investors aren't into bitcoin, let alone taking loans in bitcoin, if there's no interest, nobody would give their BTC to a bank when they can use a wallet themselves.