I believe btc wallet is a very good option... it needs improvements, but you have to remember that the bank fees are still too high. To use the banks there is also the problem of centralization, and this is different using the btc wallet.
I agree that banks are really charging high fees and as well as hidden charges but for me fiat money are going to be safe in the bank if we want to secure our cash. And with the bitcoins that we have it is secure also for it is on a bitcoin wallet and it is the only storage that we can trusted online unless you are going to use hardware wallet, for me they are both good.
We have no choice but to accept on their terms, it really depends on the total money you have, if you have a bigger amount of money, I think you would choose bank over bitcoin wallet as you are more concern on the security rather than convenience.