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 agree, we cannot consider atm or credit card as a reason of becoming a better money of cash that bitcoin because banking system is a part of atm and credit card which is literally not in to bitcoin. But if you are talking for faster transaction I can say that bitcoin can compete to the Atm andc credit card ability of bitcoin because there is an online/application wallet that have a card less transaction through bitcoin. And I also like that technology that supports bitcoin that makes its development to moved faster than cash.
I disagree. While I prefer bitcoin, the transaction fees are levied on the merchants for ACH, and are instantaneous. No doubt the fees are priced back into the products, but given the current state of fees and transaction speed on the bitcoin network, you are getting a more efficient deal with bitcoin. We need to scale people, the advantages of bitcoin to the traditional bankng syatem are slowly eroding as the network degrades in quality.
And I'm a maximalist, I guess.