In Bitcoin if you keep your money even 20 years, there is no Levies to pay therefore Bitcoin is the best place to keep your funds for your future used. If someone is sending you $200 in locale in the Banking system, the $200 will not complete but the commercial bank would deduct it part and if you keep that money in the bank, sorry is the Word because the levies will be upon the money.
Bitcoin has fees you'll have to pay if you're trying to send out money to someone else address. At times the fees are phigh but other times it's moderate but you'll have to pay a fee at all time you want to send out that money therefore you can't have all the money you received. Why Bitcoin is better than banks shouldn't be because of this reason but because of the main reason that Bitcoin got invented and that's freedom to have control of your money at all times. What happens when you keep your money with banks is that they take control of your money and use it to make more money while you lose when you hold the money in the banks because of inflation.