No, fees aren't charged as a percentage. It's misleading to present it this way.
Yes, I agree 100%, presenting fees in percentage is wrong. But I calculated for per my transactions
buying crypto using fiat money. Also if we talk about average online transaction amount let say on visa is 60 Euro or 75USD from 2010-2015. We can assume similar average amount people would be spending in crypto currencies too. Keeping this in mind fees are very high.
1. Abstract the transactions away into a different protocol layer (i.e. off-chain payment channel networks)
2. Improve the scalability of transaction verification to increase the capacity of the on-chain protocol layer
Well to be honest yes we all know scalability is one of the reasons but why we haven't had the solution already? Even if there are solution in some crypto currencies but those all coming with big question marks already.
Can ripple be that currency? Because I heard it addressed such scenarios again at the same time many experts not even ready to call it a crypto currency but kind of fiat with label of crypto currency.
Doesn't it look like we are still far far away from such ideal scenarios? like we have in form visa and credit card payments.