Here, banks charge up to 0.5% or more to deposit cash (coins), and €0.50 per roll of coins if you need them.
Which country is that?
Netherlands.
I know it's not free to deposit coins in many countries, but banknotes are still accepted for free via ATMs.
Lol. That's cute

The first bank I checked with rates for merchants: €7.96 + 0.26%. They made cash very expensive, so they can claim card payments are cheaper. Card payment rates go from €0.05 to €0.40 per transaction. To get back on-topic again: I'd argue Bitcoin fees should be lower than card fees to be competitive for adoption. LN should be able to do that, on-chain it's not going to happen anymore.