The step you're conveniently blowing past is the part about turning Bitcoins (or points) into legitimate paper currency. You can create all the schemes you want but you will still need someone willing to fork over real currency in exchange for a fake one. And like WoW gold there are a few people who would be willing to do it, but you still can't spend the fake version anywhere outside of you're enclosed community.
1)Create Bitcoins
2)????
3)Profit
This is how I see your business model:
You're entire idea is based on the premise that you can create a bank and just magically put real money into the vault. Now if you had the resources to put your OWN money into the bank, then be stupid enough to convert it into bitcoins, you'd still need business wiling to accept loans in bitcoins or despositers willing to accept bitcoin at ATM's. Which they won't. (But if you're smart you can just blow by this part and just give yourself Bitcoins for free)
....so your solution involves turning those bitcoins back into real money after a "2% transaction fee", which would require that some other stupid person would be willing to buy back your bitcoins with real money. So how many gullible idiots do we require now to get this ponzi scheme off the ground?