This is what I meant by a little more risk. I think the potential gain in transaction fees would be worth this risk, particularly for companies which know both

This is what I meant by a little more risk. I think the potential gain in transaction fees would be worth this risk, particularly for companies which know both the customers well (e.g. already process all their transactions). Cryptocurrencies don't address this, they simply pass the risk to the merchant instead which is far worse.