Comparing CC prices against Bitcoin prices is also a bit apples of oranges - the CC fees are larger but CC users are getting a significantly "larger" service as well. A BTC transaction is just the initial money transfer, but a CC transaction is a package of money transfer + fraud insurance + some money-back for the payer; if you'd want to compare prices then you'd need to look at something like BTC transaction + an escrow service fee.

Just technically executing the transaction is a minority of the problem and a minority of the cost; if you'd do BTC transactions with a proper consumer protection service then that part would be far more costly than just the transaction.