My banks charge zero monthly fees, zero deposit fees, and zero cash out fees too. They offer interest 1% APY.
Bitcoin, whenever I made transfer, I need to pay mining fees.
It's not about my intention to grow my money in banks, but I want to show if banks are better in terms of daily transactions.
Bitcoin won in the long run, but it's costly if I use for daily transactions.
Every country has its banking policies, and mine is something else.
I get charged for every money I send.
I get charged for every deposit made into my account.
I get charged quarterly for card maintenance fees.
There are other charges I cannot remember.
I get charged unnecessarily that if I've the opportunity to use only Bitcoin in taking care of my bills (I mean LN, which of course charges lesser fees), I'd gladly abandon my bank accounts. Fiat is a disaster.
Seems like there's similarities with your country's banking system and mine or maybe we may possibly come from same location... Having BTC is much more advisable than converting to fiat currency...
Now, beside all you just mention some bank institutions also experience network issues during transactions and in terms of using bank institutions, most individuals prefer using microfinace banks..
So, I'm 100% in support with your idea, BTC is far better than converting to fiat or keeping it in banks..