I've had people steal my credit card info (not the card itself) and proceed to run up $16,000 in charges. The credit card company just took care of that for me, at zero charge to me other than a bit of time. Until Bitcoin can offer that kind of protection, it will always be a niche currency at best. With Visa/Mastercard, I don't have to trust the site I'm on. I can spend money without thinking about it, because they've got my back. THAT is why they get their 2-3% from merchants, which the bitcoin community generally seems to fail to understand.
And who do you think had to pay for the $16,000?
Did you have to pay it? No
Did the credit card company had to pay it? No
Did they get the money back from the criminal? No
So where did they get your money back from? They stole it back from the honest merchants who though they could trust you and your credit card.