You pay a lot in credit card fees, only that the true cost is obfuscated into the prices of the goods and services.
Also, bank transfers aren't cheap. For example, in Costa Rica, to transfer any amount from an account in bank A to another account in bank B, you pay a fee in the range of 1$-3$, irrespective of the transferred amount. If you consider transfer across countries, then you enter into 50+$ transfer fees.
I didn't think anyone would actually try to defend bitcoin's astronomical and completely unnecessary transaction fees. Cryptocurrencies can be a solution to everything you mentioned, just not bitcoin. Litecoin, Dogecoin and Bitcoin Cash are all bitcoin clones with more throughput and their transaction fees are a few cents to fractions of a cent while their transaction counts are on average in the same ballpark as bitcoin with a lot more headroom.
Also, bank transfers aren't cheap. For example, in Costa Rica, to transfer any amount from an account in bank A to another account in bank B, you pay a fee in the range of 1$-3$, irrespective of the transferred amount. If you consider transfer across countries, then you enter into 50+$ transfer fees.