Everything else held equal it will always take more energy to have multiple computers ready to verify transactions, as well as the computational overhead of determining on the fly which computer actually will verify which transaction, than to have one computer verifying transactions.
From your own link, PoS Ethereum is 1/30,000 the energy cost of PoW Ethereum. From this link (https://arxiv.org/pdf/2203.03717.pdf ), back in 2021 PoW Ethereum spent 125.36 kWh per transaction, while VISA spent 0.0015 kWh, an 83 thousand fold difference. Depending on how these numbers all shake out VISA is still superior to PoS Ethereum by about 2-3X per transaction.
What does this even mean? Visa cards can be used for online purchases just like crypto. However crypto has a minuscule presence when it comes to physical stores. Why are you comparing apples to oranges.
Currently it's at about 77 US cents per average transaction, with the fee paid by the sender. A month ago it was briefly above $2.70.
VISA transactions, with the fee paid by the receiver, obviously pull more off the top in excess of electricity costs (for larger transactions), but they also have purchase protection, customer service, and things such as points built it for particular cards. So not a complete apples-to-apples comparison.
That's only first layer transactions. Second layer transactions are orders of magnitude cheaper. Think of layer 1 as your checking account and layer 2 as your credit card. You don't use your checking account often.
From your own link, PoS Ethereum is 1/30,000 the energy cost of PoW Ethereum. From this link (https://arxiv.org/pdf/2203.03717.pdf ), back in 2021 PoW Ethereum spent 125.36 kWh per transaction, while VISA spent 0.0015 kWh, an 83 thousand fold difference. Depending on how these numbers all shake out VISA is still superior to PoS Ethereum by about 2-3X per transaction.