First off, the bank fees feature saved me $150 shortly after starting to use Emma because one of my credits cards was about to renew and since it is a travel card (with priority pass access) and not much travel is going on at the moment, I was able to remove two authorized users resulting in the above savings.
One thing that I find misleading though is that you only count fees but not reimbursements from banks. For example, my checking account has no fees with a minimum balance and reimburses ATM fees. That is a tiny benefit but will probably keep this checking account because I never have to worry about how much an ATM changes when I need cash.
For the travel credit card, while it has a steep fee of $450, it comes with a yearly travel credit and this past year had some other promotions which in effect resulted in a true fee of about $50.
Maybe you could recognize these reimbursements and fee reversals and display them on the bank fee screen in order to provider a better overall picture. Attached are two screenshots of these type of transactions.