Yes, I totally agree with you. In every transactions made, there is a corresponding fee that is being deducted to your account considering that your money is being used and invested by them and profiting from it with minimal interest given back to your account.
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You have to emphasize "minimal" interest. Soon, with the abolition of hard cash, there will be negative interest. and people will panic in search for an option to put their money somewhere else. Well, let's really hope for that dumb move of the elitist banker society, since they didn't put cryptocurrency into play when they forged their evil plan :)
Good point and it will be happening sooner than we thought with the cryptocurrencies gaining popularity.