Why would someone hand their Bitcoins overt to them and then pay $15 a month?
Probably for the false sense of security

My guess is, one of the reasons would be the term "bank" which is a more familiar concept to people. But because tons of people don't read the fine print, they probably don't know none of their crypto deposits are "insured" the same way fiat deposits are in fiat banks so all that's left is an unnecessary subjection to KYC/AML policies.