BANKING unmasked

I see same questions over and over on reddit, and typing answer every time is boring as hell, so I decided to slowly start building up not only crypto currency, but also general computer/internet/money use guide.
In the end these are just my thoughts and critical feedback is welcome.

BANKING

• bank(also credit card) deposits can be canceled/reversed, so they take 7 days or even more to be fully confirmed, so don't call any exchange scam, just because you can't withdraw your funds the same day after bank deposit
• you get idle maintainance fees even if you don't do any transactions, commission fees on every transaction, % based fees for currency convertations and international wire transfers

OTHER IDEAS: https://steemit.com/guide/@ragetester/paper-money-will-die-a-k-a-ultimate-user-guide-page-1