The fees don't have much effect on me buying coffee and reputation based systems are a libertarian panacea that honestly, look nutty to the rest of us.
As a European consumer I too am looking forward to lots more options in the near future, some of which will ditch fees entirely,and none of them cryptocurrency based.
To many Americans and world citizens with less disposable income, you might seem kind of nutty to not worry about losing 3% on your under $15 purchases. Credit score and insurance industries are ubiquitous. For most folks if they move to another country you will often be penalized by that country's insurance or credit score agencies for not having recent history. There is certainly room for improvement.
And I'm not losing 3%, the business may be but I'm not in any way that's visible.
Further, there are new products and methods entering the market that require neither Visa/Mastercard nor a hideously inefficient PoW blockchain or multiple exchange parties.
Payments (in Europe at least) are likely to change in the near future, but not to that.
Payment Services Directive 2 (PSD2)
Open Banking