What is the solution?

It is simple, straightforward and already here. Currency stable assets. Businesses can hold the stable currency asset while we can hold the unstable crypto-currency that backs it. The more demand there is for the stable BitCurrency the more the value of the backing currency increases.

Using the same example above

You have an online retail business - If your next 3 months of expenses - staff, rent, utility and average supplies totals $45 000 and you make 50 000 BitUSD. How much of it can you keep in BitUSD and pay your expenses as they're due, knowing that you'll be able to meet them? The answer is you can keep nearly all of the earnings in BitUSD.

Overstock for example tried to keep a bit of their sales in Bitcoin and probably got bitten with the price fall, whereas they could have kept it in BitUSD & not had that problem while still supporting crypto-currency.

I think this is fairly straightforward and I have yet to see a decent rebuttal to this argument.