This isn't an "even" situation, and that language implies that banks are close to charging that much. This is the largest blockade to widespread crypto adoption...the incredibly efficient, fast, secure, and universal operation of the current banking system. As a long time small business owner I can tell you, our business model would have been DOA without our relationship with our bank and the universally shared credit/currency/accounting system available to us, our clients, our suppliers, our subcontractors, and our employees.