I think you're off on both points. You do not have to use a bank account for USD - you can use safety deposit boxes or other secure locations. This is analogou

I think you're off on both points. You do not have to use a bank account for USD - you can use safety deposit boxes or other secure locations. This is analogous to how you would store large amounts of bitcoin privately. I think the incentive to use a bank for BTC will ultimately be greater than for USD, since the risk of theft is less predictable or manageable by the average consumer. Holding a large bitcoin balance is terrifying - any keylogger or other compromise could result in complete loss. With physical USD, at least you know intuitively how to protect it.