I want to ask a question, if there is a Bitcoin ATM card, and you want to use it to pay bills such as an hotel booking, will the payment reflect instantly while the atm machine or Miners still has to process the transaction?
Bitcoin ATM isn't necessary right now since we can create a transaction thru digital phones only or other digital things.
I have used my Bitcoin to buy things online and it went ok. I also used Bitcoin in other things (converting it into Fiat and buying other things). Regarding the Bitcoin ATM and the current state of Bitcoin right now, we know that the transaction speed of Bitcoin is not as fast as other ways of payment but still there are some developers who are developing a solution into it and LN is one of them.
For me, i do not think bitcoin can replace fiat totally, because when their are larger transactions to be processed, it takes hours or even a day, except you have to pay Higher fees to process your transaction.
I don't think that too but I think that Bitcoin and crypto in general will be an "ALTERNATIVE" mode of payment aside from the fiat currency that we are using everyday. If Lightning Network will be use by many people then more and more establishments will accept Bitcoin in my opinion.