These two currencies have their own advantages and disadvantages as you said, but to minimize risk it might be said that bitcoin is a little safer than fiat currency transactions but I believe that in this world there are no transactions that are 100% safe because of course there are loopholes that are indeed not perfect for every transaction that exists, whether it is safe or not, of course, all depends on us in storing financial information and also how we carry out these financial transactions.
Under certain circumstances, bitcoin is better used as a means of payment than fiat or cash. However, for certain circumstances, bitcoin is still not a good choice to be used as a means of payment. Imagine how you can use bitcoin as a means of payment in a country where it is not legal as an official currency, and how you can easily pay for something in a traditional market where 99% of transactions are made in cash.
It is true that there are many things that make this currency has advantages and disadvantages, but I would not argue that bitcoin is indeed a better option for secure payment.