I guess OP haven't heard about SegWit and LN yet 
. Also, comparing centralized payment system with decentralized currency is like comparing apple with orange.
Bitcoin TX fee will be reduced a lot once everyone use SegWit and LN.
LN won't happen for another several month at least. Meanwhile BTC is limped and leaving a lot of new users frustrated by the high transaction time and fees.. Also, comparing centralized payment system with decentralized currency is like comparing apple with orange.Bitcoin TX fee will be reduced a lot once everyone use SegWit and LN.