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Yes merchants pay a cc fee. But any proof they pass this onto consumer? I think they just eat it in their margin. I know my business did
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If you pay a merchant directly with Bitcoin the transaction fee goes to miner. So who pays for that? If the merchant pays for it what incentive do they have over CC? The whole argument that merchant have incentive to choose Bitcoin over CC and pass the savings to consumer has no legs
First that bolded statement is misunderstanding of the basic business principals.
Second of all, the chart that you quoted shows the cost of the transaction ON the whole network, and not on parties doing the transaction they couldn't care less about mining rewards their cost is only a cent or so.
As far as miners, this is more of a build in mechanism to fairly distribute bitcoins. I guess you can say that people who hold bitcoins ultimately pay that "fee" by having their bitcoins diluted sort of like inflation, which will halve in 2016 and keep getting reduced to nothing once all coins are mined