How often do you transact from your "store of wealth"? I assume you must have at least $10 million in gold bullion stockpiled in your private safe.

How often do you transact from that pile of $$? When you do a transaction once a year to get your annual walking around spending money, do you care if it costs you $100?

One of the wealthiest people on the earth is Queen of England. Look at her assets. Do you think that $100 or $1000 transaction fee is even a remote consideration in her mind??