Let preface this by saying that I wasn't even willing to pay $5 a year for Bank, so I probably wasn't going to buy into Home, no matter what it was, to begin with.
But with that being said, $16 a year? Really? Come on. And not only that (and please correct me if I'm wrong), but if you want to transfer Pokémon, you still have to pay the $5 for Bank, meaning it now costs $21 a year to transfer Pokémon (unless a Bank subscription is included in the price of Home, but I saw no indication of that). Now we're getting into extremely questionable territory. I suppose the slightly good news, for a person like me who only would occasionally transfer Pokémon, is that I can buy the $3 one-month subscription instead, but that's still on top of the $5 for Bank, so it's not all that helpful for someone who thought Bank wasn't worth it.
Back when Bank started up, I suggested that they should have allowed transfers for free, and charge for the storage, as the storage is what takes the server space, not the transfers, but here we are seemingly doing the opposite with the free plan. How odd. And disappointing to me, as I have no need for storage outside of my games, and I can't imagine how anyone ever would.
I can't really complain about the GTS part, as they do allow you to do it with the free plan. It's a little annoying that you can't just do it in-game, and I'm not really sure why Game Freak thought an extra step in the GTS process was necessary, or even a good idea, but hey, it's better than not having a GTS at all, like we all thought was going to happen.
But seriously though, $21 just to transfer? Why? Just why?