Do these bankers charge fees and interest on money by any chance  ?

Clearly you have not seen this network map https://lnmainnet.gaben.win/
or even taken the time to read the lightning network white paper yet that you can read here
https://lightning.network/lightning-network-paper.pdf

Open the document and search for the term "Saving account" and "Spending Account" if you don't understand the
technical side of the document or just do a word count on the word "Fee"

Ripple is not being pumped up using counterfeit money like the USDT  

Let me think now $55 peeks fees or using Ripple and paying $0.001 per transactions