As I mentioned, it just means that your bank sucks, and will either eventually be replaced by a more competitive bank, as it has already happened in other countries: Germany, Switzerland, even Thailand, to list a few; OR if it arises due to the government regulations, your access to crypto will be restricted down to the level confortable for your government.

The current "impunity" of crypto transactions is illusory, a temporary artefact of institutional tech illiteracy. If they can trace and punish you for a funny picture you post somewhere, there is no reason why they should let you connect to a crypto network. It is just a matter of setting firewalls up properly -- see China.

To my first point: I exist in three different countries. Transferring money between any two accounts in any of those countries is cheaper than one bitcoin transaction. Even for those accounts where I do pay monthly fees on, those are still cheaper than a single bitcoin transaction. Meaning, that if I paid for my electricity or rent in bitcoin, I would already be spending more money per month on plain "upkeep" than I do now.

Most other payment systems (credit cards, paypal, etc) out here do charge you, but the amounts are still maybe 10% of what a bitcoin transaction would cost.

It is obvious why: for a bank, your transaction is an insignificant blip. To validate a blockchain block, on the other hand, costs a significant amount of power.

=> The only reason your bank charges you money, is because they still can, ie because they have too little competition, which mostly comes from the banking-sector to be overly regulated (or having ties to the government).

In the same vein, the reason why you can use crypto, is because it is not a part of government-regulated financial system *yet*. This, too, will pass. As long as your government can limit or trace your internet presence, they can do the same with your access to a crypto network. Above all, if you are not using VPNs to do your crypto transactions, they know exactly who you transfer your money to, and how much.

Cheers...