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.
ATM and credit card are the things that money usually do with the power of bank system. Because before fiat function as a ways of card it need system to make it possible because it is just like transaction in a way different matter. And for me it is not a good reason for cash to be better compared to bitcoin. Because bitcoin is more reliable in transaction with an investment.