I skimmed the responses so if I missed something similar to the following please someone reply here and I will delete my post...

It strikes me that companies could and should be charging fees differently. (period full stop)

What would that look like you ask.... (glad you did as I have a suggestion that flows nicely with the "discount" I offer my renters at my apartment complexes)

I think companies like unchained could be perceived more fairly and less greedy if instead of charging some up front fee or % based on total account size (as is the status quo in FIAT/CLOWN world) they could instead simply charge some % of the FIAT price appreciation of your funds on an annual basis....and if there is no appreciation they gain nothing...

This seems like it would ensure they are running their business in as cost effective manner as possible and means you as the holder of funds with them are not losing any part of your base stack (I forget what they call this in trad-fi land? - I have had one or two cocktails already and I am too lazy to google that shit)

Anyway - like I said - if it has been proposed great....my guess is it isn't as I am pretty much the only crazy person thinking like this right now and am just dumb enough to open my mouth and spread - if you want to chat about it more I am happy to amuse anyone... this is going to be how succesful companies operate in the future so build a company now using this model and you are welcome....maybe if you remember me, you can zap me... I will be around till I'm not...and then hopefully my offspring will keep my spirit alive long enough into the future to have you zap them or theirs :)