^
A list of things you got wrong, in loosely chronological order:

>Who do you thinkcom takes the hit on stolen credit cards
"Card issuers and merchants incurred 63% and 37% of those losses"
(Source: Nilson Report, August 2013)

>The average annual loss to merchants from credit card theft is about 3%.
No.  "During 2012 credit card and debit card gross fraud losses accounted for roughly 5.22₵ per $100 in total volume, up from 5.07₵ per $100 in 2011.
(Source: Nilson Report, August 2013)

>for example, if you spend $1,000 a month, you lost $360 in a year
5.22₵ per $100 = 52.2₵ per $1,000 = $6.26 per year
(Source: math)

>when I shop with bitcoin, I get discounts of 3%
No.  You get a 3% discount from a limited list of retailers who accept cash through the payment processor you use.  You also do not get the buyer protection you [falsely] claimed costs me 3%.
(Source: fact)

  ~Happy Investing!