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.

I think you'll find that most people using internet banking are using it voluntarily, not because they'd rather visit an in-person branch every time.

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.