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.
Spot on! Bitcoin should be better in the future when many countries endorse it as their currency of use. The only reason that makes fiat better than Bitcoin now is the low spread of use and acceptability. It's easier making transactions in Bitcoin than fiat.