I think a lot of people are scared by its price.
If you accept a BTC payment today, you could potentially lose 10/20% of its value in few hours.
High volatility of bitcoin is a major fact why most individuals and companies refuse to accept bitcoin and like you have mentioned someone can loose significant amount of money instantly due to it and that is why bitcoin adoption is very slow because organizations are afraid to receive bitcoin payments from there clients because they might loose significant amount of value if bitcoin price drop which is a really bad thing for any business but other than that I think bitcoin is a potential currency to accept