ATMs and credit cards both have fees
For sure, they have fees, but people still use local money of Euro/USD for such electronic payments, instead of
BTC.
The Business owners prefers not to have deals with
BTC, or they are working with instant exchaingrs to avoid exchange risks.
I think business owners do not tend to avoid bitcoins on the other hand the reason they don't use bitcoins is because it is still not widely available. It will take sometime but I'm sure a lot of you had noticed that this year the amount of services that accepts bitcoins increased dramatically aside from that investors are businessman to and a lot of them are investing to bitcoins.