Even fiat transaction also completely turned to digital form to make the seemless transaction on internet banking. Bitcoin is actually work as payment and payment mode for even international transaction with the same charge. As control is turned to legal in bitcoin and people adopting bitcoin putting up fees more on bitcoin nowdays. Hope this fees should go down again.
There is difference on bitcoin and fiat transaction even if you say that fiat transaction is being transact online nowadays. Fiat is still managed by the banks where they can do something to your money because we know that they hold our fiats, while on bitcoin we are our own banks. we hold it on our own and no need to store it on the other banks as we have our own digital wallets where we can store our bitcoin. And on the fee's Both have fee's it is required in order to run the system. But for me bitcoin wins regarding the security of your money.