I'm Joe Average. I buy things online, predominately off Amazon, occasionally Newegg or Ebay. I have a paypal account, but I rarely use it- Really, only for Ebay. Either way, I have never run into a problem with either my bank, or paypal.
As strictly a consumer you are currently paying a premium (let's say 5% on average) above what the goods could cost if Bitcoin was the payment system used since it does not rely on some of the archaic thinking that has led us to the banking system we have today.
It's similar to how the Internet brought everyone cheap publishing abilities.
If you want to be a small time merchant, there's nothing that comes even close to being able to rival Bitcoin in low startup costs and overhead.