I don't understand , I live in india and here we can use UPI like google pay and phonepay to easily pay money within seconds and a touch and no extra cost or transaction fees is taken . But when i try to ay with bitcoin like 1000 ruppes i have to pay around 120 ruppes in fees to get the transaction done in 10minutes .
If you can wait about 3-5 hours you can make a bitcoin transaction with less than 0.10 usd. If you are not at hurry at all you can pay about 0.01usd. Almost free. Ofc that depends on networking congestion as well.
Most of the time I use 1 or 2 sat/Byte when I broadcast a Tx. I know people have their own priority but in my case it works well.
Do you really need to get the transaction confirmed in 10minutes? Not even the banking system is that fast. In Brazil, a bank transaction take about 15-30minutes to get completed, and it is called "instant".
When you do online transaction in the country then it is almost instant (not sure about very large amount) but does anyone count when you are about to deposit or transfer money to someone else by going to the bank. You need to stay in the line before your turn comes up and in a busy day the line is very long and frustrating. If we are going to make an international payment/transaction then we are taking about several weekdays waiting period to get the money on the other side.