The point Bitcoin’s trying to make by existing isn’t that it’s gonna be better than the banks. There’s always going to be a difference between banks and Bitcoin due to Bitcoin lacking trust and centralization. Banks will always help you recover your card or replace it, something Bitcoin won’t. Transactions can be “instant” with banks when you transfer to the same bank or when you pay through card, but the latter option only seems like an instant payment - card payments take days before they’re actually confirmed.

Banks can freeze your money though, Bitcoin can’t. Banks can close, Bitcoin can’t! If you really wanted to pay for everything, the best option is either withdrawing cash from ATMs or getting yourself a Bitcoin debit card you can fill with BTC and pay at the stores with. Otherwise, you’re obviously stuck with the businesses accepting to operate with BTC.