Bitcoin network to emit 200 USD = 0,003 USD (0,00145 % of fees)
no problem here.
Im not sure what bank accounts you use. I usually pay zero fees for transactions.
Regardless of that... bitcoin was created to not need a bank. I think we shouldn't watch at the banks and try to "be not so bad as they at least". Bitcoin should be better. Useable for all, even developing countries where the average income is $1 per day.