You are correct. Numbers in the bank accounts are worthless since the banks created them out of thin air. These numbers are just quantifiers of the obligations of the borrowers to repay their loans.
So you explained what a ledger is. Your logic is "interesting", the ledger applies to banks, but not to Bitcoin.
Also you didn't answer my questions.
A bank is a financial institution while bitcoin is a number in the ledger. So what do you mean by: "applies to" ?
Regarding your questions, I answered them indirectly, but ok, here is the direct answer.
1) Banks are business that have to cover costs associated with maintaining accounts and protecting legal claims stored in these accounts, so I have no problem to pay them for that job.
2) Numbers cannot be donated to charity because they are just abstract mathematical objects. Only possessions (in our case certificates of ownership of claims on land, cars, homes or incomes of borrowers) can be donated. But people don't just donate their possessions to unknown persons.