Saving money in a savings account is like putting money in a pocket with holes. Banks only give you interests that are lower than the inflation rate. Its how they make money. You are better off investing in ventures (Crypto currency) that give a return higher than the inflation rate.
Im sorry to say that you dont even know what youre saying. When youre putting your money into cryptocurrency like Bitcoin youre investing it and not saving it. There is difference between saving and investing. Our main purpose of going to banks is to save our money, we have no intentions of making extra profit or whatever.
Banks offers services to you, and those charges and other related sort of things are ways for them to get money in paying their staffs, maintaining the bank and handling other costs etc.