A merchant can save the ~3% and shed risk, but what is the incentive
for joe consumer to bother with bitcoin?
You do not have to use a credit card. Not every one has credit. Not everyone will use their credit card online cuz hackors...
If a guy goes to a BTC ATM he does not even need a bank to buy stuff online.
Edit: Also with credit cards you can only have stuff shipped to your address. With BTC you can ship to where ever you happen to be.
I'm sure there are more advantages.
Actually, when I pay with my credit card, I have stuff shipped to my work address, which is different than my billing address.