I'm fairly sure it's possible for billionaires to make 0 fee transfers between banks. That being said, tere are much more interesting features of Bitcoin:
- Its fixed and immutable money supply.
- Its pseudonymity.
- Its censorship resistance. You don't need anyone's permission to participate.
- Its digital, you can theoretically store a wallet in your head.
- etc.
Third is like freedom in other words, and I feel like that would encourage even the Gen Zs to put their money here in crypto so that they're free to buy anything with truly their own money without having to worry any other online methods that requires KYC verifications.