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.
LN is not enough for scaling the world or even just a bit nation/country.
cause when you close the channel your transaction go in a block.
LN reduces transactions interted in blocks only when you open channels you are going to use often.