Yes, bank accounts are still (only) bank accounts, which they have been for centuries with only cash (coins or banknotes) and paper-based accounting. Isn't this the point? If the digital euro is to be a digital analogue for cash, surely one would expect it to play the same role as cash, which isn't the form to store your entire wealth and belonging, but to serve as an easily tradeable and transportable form of money. The ECB doesn't want to provide and manage bank accounts, or rather no central bank does as it's simply not what banking has always been, it's always been a private endeavour.
I think the digital convenience of "anonymous" payments is real, and also that the ECB wanting to implement the digital euro as an online e-commerce compatible system from the beginning, directly challenging various different payment circuits with a single universal one, is also a significant development.
Right, Midnight Trains was a French company trying to create a European night train network that centred on France, specifically on Paris. I think they found out the hard way that for various reasons, as they detailed in their blog, France might not be the best country in which to organise such a company; it also might have been simply too ambitious of a project for the current market.