ATMs and credit cards both have fees (I believe you are joking). It may have zero confirmation time but It's possible to chargeback and get scammed. Lightning Network should give us the ability to make micro-payments and without waiting for confirmations too. Banks control your money, you don't. I see no reason on why fiat is better than bitcoin.
I believe that some banks offer free of charge transactions such us withdrawing money from the atm some banks never charge you from that. They offer it as some kind of "lifetime promotion" or how they can say they are better compared to their competition. Fees or without fees Cash is still better in terms of usage, because up to this date Cash is the most liquid asset meaning everyone accept cash as a mode of payment.