charge fees?

Is this a competitive approach? Most fractional reserve banks do not charge fees, because they need your money to play the game. Mints adopting that strategy will probably outcompete those charging fees.

well fucknhell man fees AND proof of reserves

There is no point in proof of reserves, if you don't have any proof of liabilities (outside of e-cash). It's just a tranquilizer for the uninformed.

people will pay fees to banks that provably have their money so there is a point.