Erik is correct (kudos to Erik for his excellent post once again): bitcoin enables zero transaction fees because any fee applied by a bitcoin service provider must be backed by a real service not by regulatory capture.
For instance, we can propose zero fee transactions to merchants using bitcoin as a metacurrency while we can make a profit on exchange (buying low selling slightly higher, thanks to a growing bitcoin economy). By doing so we isolate the merchant from exchange rate volatility in a win-win deal.

Transactions are instantaneous for all practical purposes because a transaction message takes only a couple of seconds to reach its destination. Confirmations have nothing to do with transaction speed but relates to reversibility. A bitcoin transaction becomes pratically irreversible after an hour while a credit card transaction can be reversed  months after the facts.

Well, very factually, I can send a zero fee transaction on the bitcoin network because I don't care if it's processed in three days. if I want priority service, I will add a small fee. Hence, the statement "bitcoin enables zero fee transactions" is factually correct albeit somewhat atypical.

More importantly, service providers whose business model is based on exchange (processing transactions denominated in fiat via the bitcoin network and offering conversion rate hedging for risk averse merchants) will propose not only zero fee transactions to those merchants but even possibly negative commission rate i.e direct incentives for the merchants to get paid via the bitcoin network.

What is with the disconnect? How do you see "1. Zero fee to transfer money" and read "bitcoin enables zero fee transactions"? And the underlying system of bitcoin most certainly does not rely on zero fee transactions. Remember when "paypal will always be free"? Cognitive dissonance much?

Any miner may choose to include any valid transaction within a block.  Zero-fee and non-standard transactions are valid transactions.

What is relevant, though, is what this Five Questions blog post is telling users does not match with common user experience.  Expectations must be set properly.

"0.001% of the fee of any modern USD payment processor" would get the point across without misleading.

Finished reading it now.  Thanks for posting it - it's a great introduction.

One final comment: you seem to be inconsistent with your capitalisation of 'bitcoin'.  There's a post here:
  http://meta.bitcoin.stackexchange.com/a/22/659
which proposes one consistent way of capitalising.


Here's an example of the problem from the post - there are lots more:

Those were points 1 and 2:


Oh, but you mean they're not actually zero or instant...  Well, you can chose to pay zero fees if you like.  It just might take a very long time for your transaction to get into a block.