You can designate a percentage of a direct deposit to be converted to bitcoin without fees. Then you can transfer >100,000 sats with out fees on chain.
Coinbase keeps pushing shitcoin. For pure bitcoiners Cash App or Strike just makes more sense, but I will be curious how that'll change once Coinbase (finally) integrates the lightning network
Obviously different business models just pointing out that the idea that an exchange or financial services company couldn't survive being bitcoin only might be flawed.