But if you think the point of bitcoin is to compete with credit cards... then you've really just missed the idea entirely.
My entire point is that Bitcoin
can't compete with credit cards and shouldn't try. You are preaching to the choir here, you should raise this point to the oddball "end the fed" Libertarians and assorted "global economic collapse is coming" tin foil hatted whackos participating in this thread who preach the bizarre and unhelpful dogma that Bitcoin is the future of all payment and currency.
One of the main reason that btc will gain traction vs credit is that you can't do any sort of chargeback. It removed 90% of the risk involved for the vendor.
And puts 100% of the risk on to the consumer. You think consumers are going to stand for that? Especially when dealing with small businesses who don't have a strong brand? Not a chance.