The fact that Bitcoin payments and holdings aren't covered by insurance is already a risk businesses or even individuals need to consider... I don't blame businesses that try to keep safe..
Yes Bitcoin is decentralized so you can't assure on that. In any business there's a risk so accept the fact that we can afford to lose our money. Bitcoin price is very volatile and fluctuating always because it's been manipulating by the government. I'm very possitive that bitcoin future will be more adopted!