Because Bitcoin as a replacement for credit cards is currently just a pipe dream since less than 0.01% of people even know what it is, let alone have it. That

Because Bitcoin as a replacement for credit cards is currently just a pipe dream since less than 0.01% of people even know what it is, let alone have it. That plus its insane volatility is why it's only accepted by a handful of online merchants, mostly only for virtual goods and mostly just for show.