Yeah, Binance fees are more than reasonable but not fiat withdrawals.
I'm not even sure that what you're looking for exists at all.

Bitcoin already IS an alternate payment option. It's being added to multiple payment systems like every day. Those who try it become impressed by the simplicity and fast speed of the whole process. It encourages more and more payment processors add bitcoin as an option. I believe soon we'll be able to pay for everything we need with bitcoin.