Same. Although, tbh, I factor fees into costs for most things, without thinking about it... you kinda have to. Banks move your money (and make way more than necessary, most agree) and charge for the security and reliability. It'd be a pain to do it any other way (except maybe BTC and the future). I use Amazon like mad. I pay for shipping of course, but as it happens, the total cost with the fees is less than the cost of the items in local stores, typically. Because local stores must pay for many things that Amazon has streamlined out -- clerks when the store is empty, utilities, a marketable location, etc. Amazon can efficiently run one warehouse in who-cares-where, and it is still cheaper.

Soon I expect people will flock to things like Bitcoin for the same reason we shop at Amazon. It just makes more sense; the old way is obsolete. Happily, instead of killing off mom-and-pop shops, we can gladly undercut the banking cartels.