...Trust me...
If I trusted you, citing your sources would not be necessary. I do not trust you.
an average merchant lost about .68 percent of annual income to fraud. A merchant has to pay around $3.08 on each dollar to replace the losses, penalties and chargeback fees.
...
I'm going to stick with my 3% average annual loss to fraud number.
Fine, whatever. But In just the past 24hrs, ignoring my advice has cost you ~5%, or 2% more than CC fraud losses.
Only because we had more good news. Time publishing now takes bitcoin too. Step 1, make bitcoin actually useful enough for normal people to bother obtaining, by making them be able to spend it on stuff. That will obviously drive down prices, since now early investors and hodlers can spend it on stuff. Step 2, now, is to get more normal people to adopt it. That's where merchant discounts (and currency controls by failing nations) come in.