Merchants need to be selling for btc BELOW their cash/credit prices, otherwise it just doesn't make sense.
This would make sense since there's no cost associated with taking bitcoins like with a merchant account.
Well, there is the COMPLETE bullshit practice of the exchanges double tapping the funds on both sides of the exchange. Why anyone would submit to this ass-raping is beyond me. I will delete my fucking coins before an exchange gets a piece of both sides of them.