you really think that anybody will store their precious bitcoins in ur "bank"
You must have missed all the people who did exactly that last year, and (unsurprisingly) had their bitcoins stolen in obvious Ponzi scams. There is no shortage of suckers around here, unfortunately.
Anyone who is storing their bitcoins at MtGox, CoinBase, CampBX, localbitcoins, or any other "service" that provides "wallet like" functionality while maintaining control of the private keys for themselves is using a "bank like" service whether they realize it or not. Clearly many have not learned from the "obvious Ponzi scams" of last year, since many people continue to store their bitcoins somewhere that someone else has full access to them. It would be a bit more understandable if these "accounts" were insured by a major global underwriter and were audited by a trusted third party.