I ideal of a bitcoin that you can spend across the internet is a most beautiful concept. However, the technology behind the concept fails it. Excessive usage charges - I don't get charged each time I use my debit card. Security - my bank guarantees my funds even if they screw up. Speed - it takes seconds to withdraw cash or process a payment by Debit/Credit card. No confirmations needed. My money is accepted around the world at almost each and every merchant - I tried to buy a basket of goods last week with bitcoin and the Marchand couldn't be bothered. So I left. See other thread. No one will ever use or accept bit coin until these problems are addressed immediately.
The fee you pay pays to run the system of Bitcoin the fee you pay your bank pays to line an already rich bankers pockets. When I need a check to be cashed at a bank they want my finger print, ID and who knows what will be next. The banking system is failing and they only adding more fees to their users who have less options and pay more for less. Bitcoin is growing the old model is declining so do the math.