Same. Lightning gets around them by bunching a bunch of transactions into one bitcoin transaction. Which is exactly what people have been doing with card processing for ages now.

And of course there other payment systems around the world that don't rely on card transactions.

And don't forget that the entire lightning thing is dependent on banks aka nodes with large sums of money to provide liquidity in the system.

Between 1 to 100 satoshi usually - so fractions of a cent. (1 BTC = 100 000 000 sats)

More relevant: how much are Lightning transaction costs?