I know - beating a dead horse, but every time I have to pay, I ask myself why I tell people its free.
OK OK. It's
nearly free.
Almost free.
Do you think any credit card or debit card or paypal payment costs less in the long run? No, because you are hit with all kinds of bank charges for having an account or a card, and the merchant is hit with fees which are always passed on to consumers and hidden in the product price.
5c per payment is dirt cheap and Bitcoin could cleanup if it remained in that range long-term.