Why we should patronize investment over savings is that investmet provides more profit than savings. Let's take for example you save money in bank for 3 years, instead of making profit your money would be gradually deducted bit by bit for maintenance, transfer or SMS fee. But in investment like Bitcoin, volatility in Bitcoin will make it to increase, except the volatility is a negative volatile instead of positive volatility.
Why do you think Bitcoin volatility is negative volatility even though Bitcoin can still provide profit opportunities for many people through the investment and trading sectors at this time? And regarding the problem of saving at the bank, actually I also agree with what you say, although maybe not all banks do that because local banks in my country don't cut much monthly costs like you said, except for deposits which can't be zero or In other words, there must be a small remaining balance in the account so that the account doesn't die.
Volatility = Profit
People wouldnt really be diving into crypto space which it isnt limited only on Bitcoin but also in overall coins that existing into this market since they could really be able to play with those moving
prices on which if they werent moving in the first place then it would really be just basically means that you wouldnt really be able to make money and this is indeed fact the reality.
There are really just those individuals who do really love on dealing up with crypto space since the level or the volatileness of this market is really way more higher
compared into those traditional markets that we are getting used to.
If you do really know on what you are doing then you could really be able to utilize these movements for your benefit or advantage but of course
the risks involved isnt something that you could really just that confidently be able to deal with.