You're absolutely right about that kazriko. The reason why it's done here is because most people are used to instantaneous transactions with their credit and debit cards, and if the masses are going to adopt BTC, they're not going to want to wait days- or weeks (I've heard it could take months without paying a network fee?) for a transaction to sort. A .0005 fee right now sorts everything very quickly. It's a small price for convenience, but if the price of BTC rises we'd adjust the Bank fees to stay as just as low. This is not a "get rich quick" operation. It's much more beneficial to Bitcoin than one may realise at first glance, for the simple fact that it makes Bitcoins accessible and secure for everyone and their Mother. We hope time will shine some light on that.

The Bank of Bitcoin also provides the advantage of being able to pay someone from any internet-connected device, and if the recipient is also a Bank member they will receive the payment instantaneously and for free. The recipient can then quickly send that payment to their Paper Vault, where it can't be hacked or touched by anyone. Thanks for taking the time to understand!