Yes, once bitcoin payments become reversible.
That will never happen, but companies like Coinbase and Bitpay may implement chargebacks in their payment systems on top of Bitcoin.
Not until the confirmation issue is resolved. I wouldn't want to buy a chocolate bar and have to wait 10-30 minutes until my payment was confirmed. I want to pay and go instantly.
I'd like to see you try to buy a chocolate bar with a credit card.