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.
It doesn't matter what's more convenient for the producers/vendors/merchants. The consumers will use what is most beneficial to them, and the rest will be forced to play along.
All my credit card purchases appear to happen instantly and seemlessly to the consumer. Bitcoin transactions take hours to verify, which is painfully obvious when moving money around.
For online payments where consumers pay and the vendor ships out, bitcoin wins hands down. You can not argue this.
It will be trivial to implement an instant confirmation layer atop bitcoin, I'm sure Lloyds of london will be happy to provide the insurance to cover the confirmation time.
Besides that, what do you mean "moving money around"? Bitcoin is the fastes for this, the only other option is bank transfer and that takes longer. Credit cards cannot be used for large money moves, simply because one party risks loss though chargeback.