I paid almost 0.0003 BTC (0,2112 EURO) as fee for a small transaction and I didn't get any confirmation since almost 3 hours already, like this ain't funny anymore
fee of bank (per month) ?
fee of mastercard/visa circuit ?
fee of the POS leasing (per month) ?
fee of the global transaction per year (at the bank) ?
0,2 euros is nothing when you MUST and WANT transmit something IN A OVERHEADED week.

I pay a coffee and what ... the coffee shop need to pay is seller/provider after 2h ?
No.
This situation is nothing compare to the free network and no chargeback result.
When you emit, you will be pay after that on Bitcoin network.
Or ... vote SegWit instead.
http://bitcoin.sipa.be/versions.html