She was interrested in the "low fees" structure of Bitcoins and wanted to promote their latest "low fee" option on saving accounts to me. {Obviously, I was not interrested}
They are simply ignorant and more interrested on how they can make more profit, from using some similar technology that is not patented. {The disruption will come quickly, whilst they are sleeping}
You have to pay a fee on a saving account? Next, if they are ignorant they won't see that if they try to use similar technology, no one will use it since they would have to make it decentralized which, in the first place, they will never do, and, in the second, if they nevertheless do, there is already tough competition there. So the end result is quite predictable in any case...
Yup. There are fees on savings accounts, but these are waived if you maintain a minimum balance.
The traditional banking model is built on a set of assumptions which Bitcoin has challenged. The entities which develop in the Bitcoin space will have an altogether different business model.