What makes bank a relevant or suitable service provider to store my "important files"? To store any files whatsoever other than those they're obliged to deliver to me?! "upload your testament, passport, and id documents here, you can trust us we are A BANK".

It's the electronic version of a safe deposit box

I can understand that marketing message making sense and appealing to.. some people; I am surprised to see it on HN though.

This is like buying vegetable & olive oils from BP or Shell because they're oil experts looking for new income streams as we shift away from petroleum.

Without knowing the details, one difference from your hypothetical could be ease of access to 3rd parties, especially after death.

When shit hits the fan the bank will be like: "The storage was actually a service we nearshored to Romania and Belarus. Part of your stuff is lost, part of it had leaked. We can offer insurance lump sum of €3.64 for your loss. You consented to all the risks on the page 475 of T&C which we sent by post".

Perhaps this was the point of your comparison, but it's funny because "safe" deposit boxes aren't safe[0]

https://archive.is/63xoB