I prefer the bank...
REASONS:
You can't go completely insane like some servers do with 16k/round. Such as, 5+ people buying Para machine guns and doing stupid things of the sorts. A bank utilizes the possibilities of you being able to spend big money at times... but not forever.
If you're unable to save enough for 40k, then that's why you guys probably don't like the bank feature. If you use JUST a pistol for about 20 rounds, starting at $0... and deposit all each round, then you will be completely fine. Now I understand everyone isn't so good with a deagle and such, but you've gotta learn some day!!!
Also, the bank teaches people how to save money. Which everyone needs to know/learn how to do that in this economy!