For a highly resilient/sufficiently paranoid exchange system, the bank transfer must be carried out between buyers and sellers, rather than service providers and buyers/sellers, too many activities on a single account(personal or business) and you will be suspected.
basically in a nutshell if you want to buy bitcoin for investment legally using bank wire transfers then use a exchange that has all of the licences for AML KYC. if your a SR user wanting no paper trail, just requiring 1-2 bitcoins. search localbitcoins.
if there were no shady fiat exchanges, and every exchange followed regulations there would be no problems.
banks are not after bitcoin. they are just after risk free movement of their beloved FIAT that cannot be linked to a criminal act. so they need to account for every penny's movement through the electronic networks of fiat.
I would say their biggest concern is probably to be able to reverse or hide anything they have done so they can away, thus they still refuse to implement digitally signed proof of transfer.
One noble and honored tradition that comes from the original Bitcoin design is the maximal paranoia principle, development which following this principle should be encouraged, after all you can never eliminate the possibility that the local guy selling you BTCs is an informant of FBI.
