This is a terrible way to think about it. If you do not address the issues merchants are seeing then it will be very hard for Bitcoin to have the wider adoption many hope for. Exchange risk *is* a real concern and you should not shrug it off. Instead we should think about how we can work with merchants and help them understand and manage this risk or even turn it into a non risk.
If you want Bitcoins to matter beyond a tiny sphere, then you have to be ready to solve the problems others are having and not just think about yourself.
Thank you for combating the groupthink that seems so prevalent on these forums. It's nice to know there's at least a few who aren't in denial about the problems posed by exchange risk for merchants looking to accept BTC payments.
The good folks at Bit-Pay certainly recognize the problem, and recognize that there's money to be made in providing a solution. I hope Bit-Pay (and others like them) get some traction in the marketplace...otherwise I fear BTC will continue to go nowhere fast.