grondilu, please stay out of the banking system. If exchange is the issue, I think what we need more is a p2p distributed exchange client.
A p2p distributed exchange client is an idea that is much easier said than done.
Some people like the current banking system. You might regret it, but it's a fact. I won't try too hard to convince them that bitcoin is a better currency.
Plus, if we trully believe in free market and economic freedom, then we must see the current financial system just as an other system.
If a marchand accepts only national currencies, I can't force him to accept bitcoins. That's why we need a compatibility layer that allows me to convert my bitcoins into national currencies whenever I need to to buy stuffs from people who don't like bitcoins.
It doesn't defeat the purpose of bitcoins, since I can express my preference towards bitcoins by NOT storing any national currencies in a bank account for more than a few minutes time.