So this is the price users have to pay for using their "regulated" exchange/wallet? Welcome to the "paypal" of bitcoin 
hahahahahahaaaaaaa ... absolutely spot on, hahahaaaa
As much as I HATE paypal, and tried in all earnest to get away from them, I simply can't let them go. I was able to let go of Ebay after some years of trying -- suffered heavy ebay withdrawal symptoms afterwards. hahahaaa
As for Coinbase I only have one account with them and don't use the exchange so I can't really see it growing on me.
On the other side of things, they are essentially saying don't use them for business unless you have a business account. They really don't want to be sucked into any fed investigation over nonsense. Coinbase is no Paypal, and even paypal doesn't want to be dragged into anything that would invite the feds to look over their books.
Not happy about the July 2015 policy changes on intellectual property so I broke up with PayPal for good.
I've been using Square (square.com) and they have modified their cash app to now include an option for business transactions to be made p2p, and it's free. And they are bitcoin friendly. Check https://cash.me/ and Square main.