It's about $7 at the moment to be included in the next block. A new block is added approximately every 10 minutes. Since bitcoin does not guarantee finality some services require you to wait for a certain amount of extra blocks after yours to reduce the chance of a change reorginaztion happening that doesn't include your transaction.
Bitcoin will not function as a currency due to it's high volatility. For a more usable currency look at DAI, USDT, and USDC which are stable coins pegged to the dollar. DAI is collateralized with on chain assets where USDT and USDC are collateralized with real life assets which are mainly regular USD.
USDT claims to be collateralized with real life assets. But their story keeps changing, they refuse to allow an audit, and they're under serious investigation by the NY Attorney General. It can reasonably be thought of as a fraud that hasn't popped yet: https://www.kalzumeus.com/2019/10/28/tether-and-bitfinex/
Please don't take HN threads into flamewar like this. We ban such accounts, because we're trying for something significantly different on this site. Fortunately your account doesn't seem to have a history of this; please go back to avoiding it here.
Bitcoin will not function as a currency due to it's high volatility. For a more usable currency look at DAI, USDT, and USDC which are stable coins pegged to the dollar. DAI is collateralized with on chain assets where USDT and USDC are collateralized with real life assets which are mainly regular USD.