> You’re saying this as if it’s a “when”, not an “if”. Yes, the fact that Blackrock has now applied for a spot Bitcoin ETF makes it much more "when" than "if".

> You’re saying this as if it’s a “when”, not an “if”. Yes, the fact that Blackrock has now applied for a spot Bitcoin ETF makes it much more "when" than "if". > Chargebacks aren’t something to worry about for customers – they are the reason they feel comfortable giving new merchants a try! Correct, but merchants care a lot about how much they fork over to Visa/Mastercard for every purchase. Most people won't care about not paying through a credit card for small retail purchases. (e.g. People know if Starbucks got their order right and can have it fixed right there on the spot) People dealt in cash long before credit cards ever existed. The scenarios where you really care about the chargeback protection do not make up a majority of purchases and can be addressed through other mechanisms. IMHO, credit cards will still exist in the future, just in a greatly reduced capacity.