You keep talking about convenience, but I disagree that electronic fiat transactions are any more convenient that bitcoin transactions. It might seem that way only because fiat is what you are used to.
To pay via fiat electronically, you tap your card or your phone. To pay via bitcoin, you scan a QR code with your phone. No real difference here.
Then from the merchant's point of view. With fiat it can take days before the money actually arrives in their account and they can spend it. With bitcoin, the money actually arrives in usually somewhere around 10-30 minutes, although the merchant can spend it immediately with a CPFP transaction if they wish. Or they can use Lightning, in which case it does arrive instantly.
I disagree a bit about this. UPI is the same in the sense that there too we scan QR codes. And the money DOES arrive instantly in the merchant's account and they can spend it immediately. No waiting for days. Having used it extensively, that's how it works.
The rest of the points I agree with though. The personal info thing and the other points you made.