How about this one, whenever I have to buy anything in USD (which is a lot, I only have AUD), I have the privilege of paying 4% more than the listed price due t

How about this one, whenever I have to buy anything in USD (which is a lot, I only have AUD), I have the privilege of paying 4% more than the listed price due to currency exchange spread. Bitcoin would give me a 4% discount on everything, even still considering merchant gateways take another 1-2% from the merchant, for a 6% total. The merchant gateway might not get to keep that 4%, it might even be eaten up by hedging against currency fluctuations, but either way unifying everyone onto one currency would remove those risks and costs. Merchants would only need to convert back once a year at tax time to pay their government.