ATMs and credit cards both have fees
For sure, they have fees, but people still use local money of Euro/USD for such electronic payments, instead of
BTC.
The Business owners prefers not to have deals with
BTC, or they are working with instant exchaingrs to avoid exchange risks.
You have a point but BTC will not be for everyone. Firstly, its a virtual currency, meaning you have to have access to the net and be tech-savy to a certain extent. Your older business owners will not necessarily be keen to jump into BTC because they are not familar with the concept. However, the community that knows about BTC, appreciates the efficient and cheaper methods of buying, selling and transferring money. No one is able to track your expenditures or purchases through blockchain technology as well. So for that reason, I don't believe cash is better than BTC in the current technological world we live in.