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.
There is no thing that does not have fee. Because even money does have tax. And it is manipulated by the government so in some point corruption may exist. So like you i do not believe also on the point of fiat is better than bitcoin because in many aspect bitcoin can do thing that fiat cannot do. So I consider bitcoin as a form of my daily transaction. If i will going to choose betwwen fiat and bitcoin I will definitely choose bitcoin because it make transaction easy an it is reliable in many aspect. And it is also preferred on using it on investment because it price always develop or change.