[pistle]

Most ATM cards from a bank (US) will charge you if you use some other bank's ATM. You frequently get a fee on both sides.

Their words are crafted carefully. They are a financial service provider. They are looking to rob you / stay in business just like most other financial service providers and will use most all the same tricks to ensure they stay in business / don't leave money on the table (in your pocket).

Bitcoin moves the ball to keep people attached. Bitcoin keeps getting more similar to fiat - except for the benefits of fiat all the time. This doesn't end well. Invest in Magic the Gathering cards now - to the moon!