In my country, there is no increase in ATM fees this year, BTW which country do you live; well you are right that they are targeting mostly on taxpayers and middle class people, we suffer a lot during any crisis, does anyone of you think that moving our money completely to Bitcoin is sensible ?
Which country are you a citizen of? There aren't fees in ATM fees every year, but sometimes its seasonal and people often don't know about it. Moving your money into bitcoin is something I heavily don't advise. It is an investment at the moment, don't expect it to be your bank. Put only the money in btc you wouldn't mind losing
You should put all your money into btc when the time is right and it isn't so volatile.