"...nothing beats instant not even bitcoin..."

Walmart avoiding card fees is great since they will be able to post lower prices on many items and/or pay their employees more and/or increase profits which is good for their stockholders. The only loser there is banks, sounds great to me. Now, saying "nothing beats instant not even bitcoin" is way off the mark of reality. Bitcoin is a safety net against inflation, so people who own BTC will be in better financial shape. (For example) If they slowly spend a small % of their BTC - along with buying more on dips - then they will have much more cash available to spend. That does beat other types of money.