But few countries use bitcoin to pay their bills and make purchases. after the mastercard and visa have become a bitcoin enemy, we do not have the means to use bitcoin as a form of payments.
It's just a matter of time before we can start even paying our bills in Bitcoin. Merchants can save like 3% in fees just by accepting Bitcoin, which allows them to forward that as a bonus to people using Bitcoin as payment option. If Merchants cut out the centralized payment gateways, which will take a while but still, Mastercard & Co won't be able to compete with Bitcoin based on fees anymore.
If we had bitcoin debit card, then we would be using bitcoin like fiat
That's not Bitcoin. We need to get rid of central parties requiring permission and fees for their services. That's what Bitcoin is meant to combat. If we stick to debit cards and central payment gateways, what are we using Bitcoin for? People in that case can just as easily stick to using fiat as they have always been doing.