As horrible as the banks are, you do make a lot of valid points. IMO Bitcoin is a major evolution in fiat (by decree) currency. And yes, it definitely has a long way to go concerning the points you mentioned, and ease of use by the general (zombie) public.
The major problem with government fiat currencies is that they are guaranteed to "safely" lose value over time through inflation. Whereas Bitcoin has a lot of risks and it's given people many rewards.
Enjoyed your article :)
RE: Why Bitcoin will never be as secure as a Bank