Credit cards are 2 to 4 percent.

Most people pay their only large payments(Rent and bills) with cheaper direct transfer schemes from zero to a few USD.

For a 16 dollar fee to be better than 3%, you would have to spend 480USD in one transaction, on the kind of thing that you'd normally have a fee at all for. Something I have only done an extremely small handful of times in my entire life.

A few of my more well off friends might have computer parts or jewelry worth that much. My laptop is the only single thing I own close to that price, and even then, it's not much over it.

For a trip to the grocery store for a single person, bitcoin would probably be a 8% to 20% fee.

Flat fees are a regressive sales tax.