I've toyed with the idea of a Bitcoin bank for a while now. Since I don't seem to be making much progress here's the final piece that I think this is missing an

I've toyed with the idea of a Bitcoin bank for a while now. Since I don't seem to be making much progress here's the final piece that I think this is missing and would really let this take off. Offer a way for your customers to spend their Bitcoins using plastic through a payment processor. The cheap startup version way of offering this would be to partner with a bank to offer your customers prepaid debit cards. On your website they would have two accounts, one with the funds avaible on the card and the other with your Bitcoin wallet. When they want to transfer funds make a market trade on behalf of them and put the money on their cards. Obviously in the long run the ideal setup would be to become a licensed money transmitter which can be ridiculously expensive in some states, and yes you need the license in each state you do business in. This is what Paypal has. As a licensed financial institution you now have the ability to offer your own debit/credit cards and you could theoretically make market trades from your customers bitcoin wallets as soon as you receive transaction requests. Obviously this doesn't flow with the spirit of Bitcoin and why it was designed but I think it's what will be necessary for it to start gaining wide spread use.