Credit cards have a fee per transaction that the institution covers, however the consumer pays the interest every month.
I think the fees go lower over time with the coins.
Companies don't have to look for venture capital in the traditional way, they sell tokens to fund and take the company public.
You don't understand the technology then. You don't understand the concept of mining either. With ever increasing computing power of the miners, the mining puzzle (proof of work) has to get increasingly complex to preserve the integrity of the blockchain. That means ever increasing electricity costs and transaction fees. Of course this could all change if they change the entire bitcoin consensus protocol and come up with something more efficient. But then again, that technology needs to be proven.
Wall street does not understand crap about the blockchain technology. For once the Nerds will have fooled the wall street folks. It's the revenge of the Nerds.