As strictly a consumer you are currently paying a premium (let's say 5% on average) above what the goods could cost if Bitcoin was the payment system used since it does not rely on some of the archaic thinking that has led us to the banking system we have today.
I'm not an economist, so I don't immediately grasp what you are meaning by archaic thinking that results in higher prices. I'm assuming you don't mean anything related to processing fees for credit cards?
I do. Next time you buy something from a local store owner whom you believe own their own business, ask them how much they have to pay in fees to be able to accept credit cards. Do the math on how that affect their profit margins on low cost items.
Those fees are passed on to you, the consumer.
I am aware of those fees, I've known a couple small business owners. But for those fees to disappear- That would require bitcoin being adopted to a universal standard in which these businesses did not need to process credit cards at all. So me, as a consumer wouldn't see this particular benefit until the 'why bitcoin' question in this thread became a moot point.