Banks are going to use this because some pointy headed boss reads an article in CIO Weekly or whatever talking about remote attestation and orders their IT team to implement it. It will not actually cut down on fraud but it will cut down on freedom. The only approach that enhances freedom is that banks, or any other internet sites, must simply not have the option to perform remote attestation outside of limited contexts like IT computers.
I don't work in the banking industry so I can't answer.
>Because users expect to be able to use their desktop to do their banking.
I question if this is true. Especially amongst younger people who grew up with phones.
Regardless if with this banks are able to cut down fraud this will be a benefit to the world.