Yes, there are middlemen in Bitcoin, but there are also ways around them, unlike in banking.
And yes, I definitely trust million of men who are constantly checking each other, rather than 10 bankers who found out that sticking together makes them more money.
That fraud argument is a double edged sword because I might be on the receiving side and falsely accused of fraud as any small business hit with chargebacks would confirm. When it's sent, it's sent, that's how it should be, no backsies. In the CC world you never know. Plus there are also escrows if you really need them, except unlike in banking world, Bitcoin escrow won't force you to eat a 30% haircut on your savings account when the bankers fuck up the whole economy while paying themselves big bonuses.
Bitcoin is actually more expensive than SEPA transfers or girocard payments, and slower to resolve (and just as impossible to reverse as SEPA transfers).
Which bank is this? Since 2014, SEPA-ICT has been introduced, and since this year, every bank should support it.
Normal SEPA transfers are mandated to be free and < 24 hours, and SEPA-ICT transfers are mandated to be < 1.5€ and < 15 seconds, but most banks implement those for free.
As you can freely choose any bank in the EU, you might want to consider German Commerzbank, which implements free < 15 seconds transfers to any other SEPA bank (except for student accounts, those have to pay 1.50€ for those transactions).