No body mentioned taxation issues and there are quite a few of those these days.
More and more governments started to recognise cryptocurrency, introduction of new means of taxation was just a matter of time.
Some country's still struggle with inefficient, complicated tax ordinance. Law getting as massive as 15000 pages... no body is able to know everting, every aspect and quirk of the law. Special help, trained accountants, advisors don't work for free.
-snip-
So it is not about merchants at all
Agreed, not at all, as in most cases problem is multidimensional.