That's not really a fair comparison. Bitcoin cannot has very limited use for actual commerce - actually paying for stuff. So you also need to consider the inc

That's not really a fair comparison. Bitcoin cannot has very limited use for actual commerce - actually paying for stuff. So you also need to consider the inconvenience, complexity and cost of trading the received BTC for local currency. I haven't paid anything for international transfers within the SEPA area for years. Depending on the source/destination bank, the transfer can be completed within an hour or so. Sometimes the solution is simply better banking infrastructure. The banking/payments system in the US is a mess but it doesn't have to be so.