Fiat banks charge nothing because they take the "money" out of the account and invest it, elsewhere.
You pay Alby to hold the money and not gamble with it. It's more like the fees for a safe deposit box or gold vault, than a checking account.
Discussion
yeah, not even so much as storing it exactly but i have it open in public routing channels now... i figured that there was a good chance it could do like 200 routed payments a day at 2 sats one in one out so at least i may even not be paying anything for it, possibly.
the security is all in my hands as well, more or less, i have the seed and i can pull the plug on it if something is amiss but the cryptography is pretty solid and my systems are secure against most possible breaches
so it's almost better because i'm actually getting "yieldz" on my sats now by charging a small fee to adjust my channel states
not sure what fees to be putting on them tho, maybe i should set them to liek 3 sats