So you think a possible savings of 1-2% will be enough to make most consumers willing to forego the fraud protections and grievance procedure that come with their credit cards?  Won't scammers take advantage of this and set up online Bitcoin shops that advertise lower prices without ever actually delivering anything?  I'm no expert in economics, but as a consumer I can tell you that I value the peace of mind that comes with using my credit card for online shopping far more than a tiny potential discount.  For Bitcoin to have a chance at becoming a currency, this issue can't be shrugged away:  the case will have to be made that one won't lose their money if they buy from what turns out to be an unscrupulous vendor or no one is going to use it.