People themselves will decide. Same way they decided whether they wanted to buy a computer in the 00s. It's just that those who decide to not have internet banking should not be disadvantaged by the society compared to those who have it.
Agreed. Businesses should not be permitted to follow a "technology only" business model (which usually means lower costs for the business) to discriminate against potential Customers who might not want to use that technology.
How do you plan to decide who gets to use internet banking and who doesn't? That doesn't seem like a good road to be going down, either.