I think for most Bitcoin services 1% is the sweet spot. It seems substantial enough from a business perspective, without being offensive to the customer (like credit cards or Coinbase).

Competition could drive that down eventually, but superior reliability, functionality, and service could allow a business to maintain a premium. I think most users trivialize the difference between .1% and 1% anyway -- I know I do.

I'm not a huge fan of subscriptions. I probably would for Alby, but generally I find memberships to just feel like a financial burden, in a psychological sense. Like, I can afford another $5/month service, but I already have so many, it makes me feel like a slave. In some ways it feels worse than debt, because it's in perpetuity and doesn't diminish. I recognize that it is more stable income for the business.