Fundamentally, though, a consumer in a developed economy with high degree of e-commerce has access to a credit card / PayPal / AliPay -like set of tools, that a

Fundamentally, though, a consumer in a developed economy with high degree of e-commerce has access to a credit card / PayPal / AliPay -like set of tools, that allow for * cash back (and similar incentives like airline miles) * transaction reversal * consumer protection in case a purchased iPhone X arrives broken due to an unscrupulous seller * custom perks, like extended warranties for consumer electronics, travel insurance or additional coverage for a rented vehicle Even if you have a better UX, what are the incentives for consumer to switch away into BTC? A 2% discount compared to credit card payment? The higher the item price, the stronger is the incentive to employ some consumer protection mechanisms.