The first bank I checked with rates for merchants: €7.96 + 0.26%. They made cash very expensive, so they can claim card payments are cheaper. Card payment rates go from €0.05 to €0.40 per transaction. To get back on-topic again: I'd argue Bitcoin fees should be lower than card fees to be competitive for adoption. LN should be able to do that, on-chain it's not going to happen anymore.
Is it just me that thinks 1-3 usd is extremely cheap for an international transfer, pseudo anonymous, confirmed within 30 minutes.
Not all daily transactions are 50 cents coffees.
I love getting paid in bitcoin here!