Edit: This wasn't intended to be a hypothetical- I agree BTC uses significantly more per transaction, but I'm curious how it compares to the entirety of a system like Mastercard divided by number of transactions (including all employee/office space/commute/etc energy consumption). There are clearer/fewer inputs for Bitcoin for sure but that doesn't mean we shouldn't account for the total environmental cost of a behemoth like Mastercard.
Bitcoin can never and should never replace our current payments network as it simply cannot scale in its current form. But, I do think people simply look at the cost to run the technology itself and assume that's the total environmental cost of a system.