If you are using SegWit addresses, you will have not much problem making transactions at low fees, but you still have problems if you're looking for something at visa level.
If you don't care about censorship resistant transactions, just use visa.
Yes I agreeing with you, bitcoin can be used as a real transaction I think because this is simple that bitcoin is a digital currency so there must be the possibility for the transaction because currency can make transaction and this is the thing the most common in this world of business.