Paypal
If sender sends form their bank it is zero, person then can get instantly at ATM usually 4 bucks fee 3 to atm and 1 to pp
First, why does the person need to cash in their paypal balance? A ton of stores/businesses accept paypal for transactions!
Second, why the assumption that these people must convert the bitcoin to fiat? Shouldn't they embrace the ability to buy things with bitcoin rather than give in and exchange in for fiat (the easy way out!)
Third, you forgot Venmo, which is one of the latest mobile payment companies in the US. It allows people to exchange money instantly (exactly like PayPal) with no fees and adds a social media element with a feed of transactions so you can see transactions your friends made and leave funny comments and emoticons.
If Venmo accepted bitcoin, we'd be all set!
www.venmo.com