Consider bitcoin as a asset for you. Like Gold.
Here is an experience I am sharing. Other day my wife went to the Jewellery shop to sell some of the Gold she has. The Goldsmith gave her a price which is over 15% less than the current market price plus whatever the weight it had they took off 20% from it which means the total weight lost 20%. If we do the math then all together she lost over 35% value of the gold she had.
With bitcoin you are not going to lose that much.
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 .
I will suggest to study about bitcoin. Comparing with those centralized payment processor is not the thing with bitcoin.
I don't think that Bitcoin should necessarily be compared with assets. Some put Bitcoin on the list with fiat currencies, others put it on the list of assets, but some compare it with payment processors. I think there's some truth and some problems with each of these things because Bitcoin has different aspects and different use cases. I was in a situation when I paid 100 EUR in fees for an international banking transfer of a thousand EUR. I had to use a banking transfer, unfortunately, because I needed the money on the bank account for official purposes. But a simple Bitcoin transfer back then would have cost, like, 5 EUR, and the transaction would get confirmed faster than the international banking transfer. So there are situations when Bitcoin as money (not as an asset) could also be beneficial.