What's the point of using a web wallet?

I don't remember that any of them had been paying interest on the funds held there. Nevertheless, many people use such wallets because they are not tech-savvy enough to safely run their own desktop wallet. Personally, I think this is a wise decision overall. Coinbase has been claiming recently that they have around 4.8 million individual wallets. Some of them might be duplicates (or even triplicates), but it still shows that this service is in demand, whether you like it or not. Even though they don't pay any interest at all

everyone have different opinions about agree or disagree with bitcoin bank. but they have great argument about it. indeed if the transactions of bitcoin dominated by bitcoin bank it is potentially will cut a tax for every transaction. but when that really happen the tramsaction of bitcoin will fix some lack such as long transaction which sometime happen

If I have to be honest I do not think that we need one because its going very well with the bitcoin right now and we are already doing it like this for a long time.
I think that a bank will even destroy the bitcoin soon or later.

Let's remain realists

We don't yet have any real Bitcoin banks yet, but people are already using web wallets like Coinbase or Xapo and trusting their money to someone else. How come? Because they don't want to get into all the gory details of installing a desktop wallet and risking losing their hard-earned coins due to a misconfiguration, hardware failure or virus attack. Or they themselves doing something stupid with their wallet and coins

i always ask myself why do people trust stranger (bank, wallets like coinbase or xapo) to handle their money. part of them just do not know better. part of them think they are better of by not doing it themselves for the above reasons. but we can change this. we can offer advice, knowledge or even courses to first inform the people on the status quo and then teach them how to use bitcoin properly. i think a good week of decent work and learning should be enough to learn the basics you need to do it yourself and be your own bank. everybody should have the time for it. worst case is you have to take a week of to gain your financial independence. if people still do not want that, then i really do not know how to convince them or even if the deserve it.   

You expect too much from ordinary people

If you want to teach people to use personal wallets, you should start teaching them when they are still in school. Most people (your average people) after 30 years don't want to learn anything new since they are quite content with what they had been taught when they were young. Indeed, if they are cornered by circumstances they would learn almost anything, but if they have choice they will most certainly take the path of least resistance

i guess it is true that i expect to much, but without expectations it is just a question of time until all is lost.
you also brought the point up i forgot to mention in my last post. the education.
we need to become a society that teaches these important things to everybody. right know i can teach my kids and my friends that are interested, but why not teach such essential things in school? i am talking about finance in general not only bitcoin. bitcoin would only be the icing on the cake. i can only hope for the future, but i do not see this happening to be honest.   

i agree, but once a person comes to this conclusion he/she must decide if he/she will try to fight against it, live on doing nothing (the modern slave) or accept it as a fact and try to take advantages for themselves which means becoming part of the problem. i always say myself as a good guy and bitcoin as a means of fight against this, but sometimes i ask myself why bother? it would be so much easier to become the bad guy, get rich and live a nice life and leave the suffering to other. i do not know what is holding me back. i can honestly say that i have tried. if the people want a bitcoin bank, why not give them what they want.

I don't know for sure what the intent of the bitcoin Bank. Because of that I know of that bitcoin is bank. But banks in the context of what I mean is a private bank, so we are the owner of any bank of any wallet btc that we have. Why should be discussing something that did not yet we can think properly, the better we do something things can indeed help our lives and also help someone who is need it