Nice write up... it's an interesting concept to have cryptocurrency wallets and exchange like options integrated into a traditional bank account. The additional exposure it could give to Bitcoin and cryptocurrency as a whole is great, but completely agree that it's an idea that goes against the very reason Bitcoin was created.
I imagine that the people who would use a bank account for crypto related transactions would be limited to mostly the new and inexperienced, while seasoned crypto vets wouldn't dream of using a traditional bank account... 🤔
Yeah inexperienced people at least have a platform. It technically also functions as a layer 2 level as well (the ultimate noob lightning network I guess it could be phrased). Regardless, all adoption is good adoption. But some methods are better than others like self custody, but that isn't for everyone.