I hear you Paulo.
It's a matter of necessity rather than convenience for me, being in a rural location and doing the kind of work I do means that I'm nowhere near a computer during the working day (unless I come home for lunch), so to be able to log-in and move money from my business account to the current account (for example) at 7:30am is a real plus for me, there's no way I could get to the bank to do that, nor would I have time to phone them and go through the endless security rigmarole.
Likewise I can get home in the evening and check if a customer has paid me by BACS, then use that to pay bills in my own time.
Of course, if the power or broadband goes down..I'm screwed...
What you describe has pretty much come to pass anyway, the cashiers and even the manager, in my local branch have very little control over my transactions any more, and I've noticed that happening gradually over the last 10 years. They're really just drones with little or no decision making power.