The reality is that this was a very poorly implemented and marketed attempt on Chase's part to herd its business customers into accounts with higher fees. But who has time to deconstruct their bank's motivations when they decide to jerk their customers around, with or without a government mandate to do so?
That's unfortunate but I have not run into that problem. Your claim was that everyone who has dealt with bank has had a problem Bitcoin has solved. You provided a problem that is specific to people with business accounts at a certain bank. I cannot recall having any problem with my many bank accounts that would be solved by Bitcoin.
Everyone who has ever dealt with a bank has a problem that Bitcoin can solve, even if they don't realize it yet.