We need to have a bank account with bitcoin that is not necessarily tied to a bitcoin wallet, that would just be bitcoin credit, similarly to what a fiat coin account would be. And then bitcoin credit card where a payment wouldn't require any movement of bitcoin from a wallet to the next and the financial institution could approve that purchase in bitcoin immediately.
And then, financial institutions would only need to do a bitcoin transaction once in a while in large batches and they wouldn't mind paying $5 to complete that transaction. A bitcoin transaction would also be required when you are cashing out, but hopefully you don't have to cash out $9 dollars at a time, just like you don't withdraw $9 from an ATM.