I agree with you about using Bitcoin as a payment method. When fees starting matching the amount you are spending then that is just too much to take. I think the bank only charges $0.35 to use the card to pay and to withdraw cash it will cost $0.50. Compared to bitcoin that is peanuts. Etherium used to be the next best thing, though that has just changed recently during the boom and with all the mining. This has made many people turn to other currencies like litecoin or ripple. USDC & USD tether cannot be used since it uses the Etherium network so it won't help much. Transferring tokens become a problem too.