The typical bank ATM cost is now nearly $3, or $5 for out-of-network ATMs. Checking account charges are generally over $60 each year. Bitcoin is presently 7 cents per easy on-chain deal, almost absolutely no for LN, and self-custody hodling is free. : Bitcoin

On-chain from segwit address to segwit address: 111 satoshis, or simply a bit over $0.07 at $63,500. LN is anywhere from absolutely no to a couple of satoshis depending upon routing.

https://smartasset.com/checking-account/atm-bank-fees

Bank ATM charges differ based upon your bank and the kind of account you have. A 2017 Bankrate report discovered that that the typical expense for withdrawing cash from an out-of-network ATM reached a record $4.69 this fall. The typical cost ATM operators charge likewise increased to $2.97.

https://www.forbes.com/advisor/banking/checking-account-fees-survey/

Monthly upkeep charges balance $5.14 in 2021 throughout all organization types

So whether you invest cash or simply wait, you’re still being charged.