Just because most merchants effectively subsidize credit card customers, don't assume that all of them do and don't assume that some customers don't want that choice.
This is part of what I like about Bitcoin. With the CC system, the cost of fraud is borne by the retailer (and then socialized amongst the customers) who can do nothing to fix the situation. Bitcoin, a customer can have his Bitcoin stolen, but the customer is the one who can put measures in place to prevent this.