What are the reasons, why people use Cash or Credit Cards / ATM / Banks?
Look at the benefits of bitcoin.
* Works online 100%, 100%transparent for private and commercial use. Total control of private or public money for it's holder or holders, investors, governments etc.
There is no control, whoever gets access to your private keys can empty out your balance just like that and you cannot turn to anywhere for help.
* As It's works online there no need of expensive steel safes or bank deposits to keep your money safe. Any password or time code can be used.
Since only a password, privatekey etc is needed and no form of any identification, anyone can be forced out of their passwords etc under duress. The more crypto advances the more this is going to be a major issue. Also not everywhere on this planet have people access to the internet, so yes we still have need of banks.
* No fees. Unlike cash, hasn't 2%-3% of inflation every single year.
No fees? Every transaction has a fee, it's clear you failed to grasp the concept of crypto currency. And the more transactions there are to be processed the higher the fees become to get fast transactions.
Bitcoin isn't accepted for food shopping, I can not go to my supermarket and pay with Bitcoin. Only some places accept these cards, not the entire planet.
* 0 confermations time, with introduction of "instant pay" function.
Where? Almost nowhere. Bitcoin doesn't have an instant pay function, the miners need to process it with their fees attached to it.
* 0 exchange risks in use of proper securities and competent insurance.
Zero risk? Fill out the wrong deposit address and you do not get any chance to correct it, once exchanged it is gone even if the address was wrong. Insurance? There is none. Just by saying it does not mean that there is, either explain or show proof to make your point.
* any entrepreneurs is able to understanding of the value of payment.
No they are not, to understand the concept of crypto like bitcoin you need to read up quite a bit about it to even be able to grasp the basics of it.
* No need for pay terminal for small businesses. For small entrepreneurs it's a high expense of 70 bucks every month.
So you think a small bussiness like a coffee shop is going to wait untill all confirmations are completed to hand out the cup of coffee? The more Bitcoin is being used the more unconfirmed transactions start to clutter, right now only max 9 or 10 transactions can be completed per second, so with everyone using Bitcoin the more and more micro transactions would happen and the entire transactions system might even collapse due to a zillion unconfirmed transactions. Banks handle over a quarter of a million transactions per second just like that.
Also the small bussiness needs to cover his expenses and cannot wait untill the transactions are completed to even be able to pay his rent with it.
And add the miners fee to the micro transaction and suddenly the cup of coffee has become twice as expensive, nobody would use it this way.
* Theoretically it's would not be needed to have an expensive licensed cash register, for small entrepreneurs, as every transaction is totally transparent. So cases of black money flow would be easily found and proven.
Transactions of bitcoin is anonymous so no black money can be found anywhere. It would only become transparant if every wallet address could also get tied to an identification, this is not the case.
* Banking and gambling. No need of any verification for CFD,Stock,Currency or gambling services.
Exactly, any one can make use of it when they get their hands on your private key, password etc. to gamble it all away or transfer it to theirs.