A bank is a financial institution while bitcoin is a number in the ledger. So what do you mean by: "applies to" ?
So the banks are the only entities entitled to have ledgers we can trust? You have missed a great part of the real world.
Regarding your questions, I answered the indirectly, but ok, here is the direct answer.
1) Banks are a 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.
And then why are you so reluctant in using (and paying to use) a ledger maintained by the community, in a way nobody can cheat it?
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.
So the amount in bank is abstract mathematical object, however you trust you will get goods in exchange for that (eg. via debit cards),
while you claim that the abstract mathematical objects from Bitcoin ledger are worthless.
See the/your double standards here? Imho you just contradicted your own logic, meaning that
the initial "logic" is faulty.
PS. People do donate now and then. And even gold, or paper money, or even a sandwich are things you can posses and can donate; however, it's not important in the main discussion.