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.
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.