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the_real_dsister44 said:

Edit 2: and as Super said above. How are we going to distribute these discs. Sony's stores have collapsed in the past year. Ninty has a couple(one?). Microsoft has the largest amount of stores, but even then their retail presence is pretty paltry compared to say stores like Gamestop. Which if this process were to be adopted would probably be the biggest name in the industry 

 

Sorry, forgot to cover this too. 

There would be stores implemented in major metropolitan areas setup for this kind of service assuming this is what the people wanted.  Honestly this is the least of my concerns when it comes to the whole concept anyway.  Establishing these banks isn't the tricky part, it's how they'll operate.  Let's assume for the sake of arguement that each of the big three would be able to open up stores wherever was necessary.