Bitcoin only charge you about 0.0001BTC-0.0002BTC or 2-5 cents per transaction.
Furthermore, there are places where you can pay with bitcoin instantly with shops which accept 0 confirmation
your argument about low fees for bitcoin transaction is invalid since the
main source of income for miners will gradually become the fees (source : Satoshi)
Miners and banks will very soon have a common way of making money.
I mean come on, all the network is deemed to works on fees, and you're not even mentionning it