if miners charge higher transaction fees, doesn't this negate one of the benefits over centralized systems like MC and visa that charge high (2% - 3%) fees on e

if miners charge higher transaction fees, doesn't this negate one of the benefits over centralized systems like MC and visa that charge high (2% - 3%) fees on each transaction? that's not to say this neutralizes other benefits of bitcoin, just that applications like microtransactions are not viable? not trying to attack bitcoin, just trying to understand the true benefits and applications.