Exactly this is the reason why bitcoin is not easy. Try to explain this to an average person and they see water burning

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Try explaining online banking to your dad in 1995.

What would your dad do without online banking today? Drive to the bank to make a withdrawal?

i mean the 'fees' aspect.

with banking it doesnt matter the size of your transaction, the fees remain the same.

with bitcoin UTXO's they could get way more expensive based on your conscious management of UTXO's....

How much banking have you done internationally? That varies by bank.