With no charge-backs it has less of a cost to accept bitcoin than credit cards so places could offer a slight discount for it to entice consumers to use bitcoin.
No chargeback is a bad thing for consumers who loose the safety credit cards offer. If consumers prefer the safety of credit cards then the merchants will ignore bitcoin.
Bitcoin must offer something that benefit people before they want to use it. No such benefit exist today and therefore there is no interest in bitcoin.
What do you mean that people offers no benefits to the users.
Having the control over their money so that bank cannot seize their funds is a quite big benefit if you are asking me. Sending money for the minimal fee and nearly instant to the other part of the world is another major benefit. The list goes on and on..
The problem with Bitcoin at the moment are the users. There are not enough enough users to use these features. And that's called an adoption. Another problem is Bitcoin itself. We are really not ready for a mainstream adoption. Just imagine if we would have 2 million users over the night that would join us. The network would be paralyzed. The blocks are too small.
All of the above is called progress, so time is needed and things will line itself up.
But the big potential use cases on the massive scale are present in Bitcoin, we just need to come to that level, both users, and the Bitcoin itself.