The only reason anyone would use bitcoin over a credit card or paypal is for tax evasion. For the average consumer, credit cards provide so many advantages that bitcoin really isn't competitive.
considering your handle is infofront you seem a litle behind?
You exclude some information that is very pertinent:
For producers/vendors/merchants, Bitcoin is already supremely sweet.
Credit cards have a confirmation time of well over a month! CC Chargeback rates are increasing.