Sorry, I'm a no0b to the technical aspects of bitcoin,

But my question is; can we change the transaction fee to as least where the miners would take quick enough to confirm it without being worth a lot as a Fiat?
Say if the value of 1btc/$100000, I'm pretty sure the transaction fee of 0.0002 would be higher than my bank's.

I'm using an online wallet so that might be limiting me.