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.
That's right it's not necessary because other establishments used QR codes when accepting Bitcoin as a payment. I dont think if there is a Bitcoin ATM card, all I know is a Bitcoin ATM machine where you can buy/sell your Bitcoin.
As mentioned above, the Lightning Network will solve the problem for micro payment and it is faster than the regular transaction of Bitcoin.
If you don't understand what is Lightning Network you can read it here for more info,
A Beginner's guideline to Bitcoin Lightning Network.
I dont think Bitcoin can replace fiat, they had a different function and both of them are useful to us. Just accept the fact that Bitcoin is good for an alternative when it comes to payment transactions online. Yet, Bitcoin is the number of digital currency I had ever known.