Don't know what you mean by "saving in gold via gold accounts"... I'm talking about buying ACTUAL gold and storing it in a vault. There is a fee to purchase, probably around 0.5%, as well as an annual fee for storage costs (about 0.5% a year). Whether you consider that expensive or cheap depends on your point of view. I view gold primarily as insurance, a form of sound money and as a hedge against inflation and fiat currency collapse - not as an investment per se.
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you can now save in gold by having a gold (physical) savings account ( https://www.goldmoney.com/bitgold ) where you buy a small or large amount of gold each month and the physical gold is added to your account- and the $£ value of your account fluctuates with the spot price of gold