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.
Not if you are not an online user, fiat gives confidence to the users because it is supported by the government while
they may just view bitcoin as a scam because they are not willing to open their minds with the new technology.
Fiat is the best of them because they have been using for a long time and it will not be replace with something new.