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.
It is getting to the point where you will start getting charged every time you use your debit card. Think about when you use it at a liquor store, or at most gas stations. Hell, most gas stations now even have a different price of gas per gallon if you are paying by debit/credit card.
I think you probably overlook a lot of the fees that you get charged because they just get tacked onto the amount that you are paying, and it does not show up as a separate transaction on your bank statement.