I think you may be a bit tired of listening to all the arguments for and against using a coursework bank. Still, the practice shows that not all the students realize the responsibility they carry when using a coursework bank.
 
I have a fresh example of the negative effects of a coursework bank. Just a few days ago a friend of mine was accused of plagiarism. Before that this person just downloaded a work from a coursework bank.
 
Yes, perhaps this is not the common case, and usually all these works are not revealed by the tutors. Yet, there is a chance to be caught and it is better to take all the precautions.
 
The best precaution that can be taken is – avoid using works from coursework banks. Thus, let us think of the reasons why students do it.

• The topic of your assignment is too complicated for you.
• You lack of time for writing your paper.
• You have some obligations that distract you from coursework writing.

Now, let us think of the possible ways out, which will prevent you from using coursework banks.

• If you complain about a difficult topic, you had better stop doing it. It was you who chose this topic. Thus, you just did not take this step seriously.
• I am sure that your work was not assigned two days ago. It is more likely that you had, at least, two weeks for writing your paper. So, again it is you who did nothing all this time and now have to use a coursework bank.
• If you have some obligations at home, I think you can always find a compromise with your household.

Thus, I do not see any good reasons for not writing your work and using coursework banks. Try to concentrate and take your studies seriously and you will not need any coursework bank.