No, the point is that credit cards give people a line of credit, which increases overall liquidity. People buy things on credit cards they wouldn't otherwise b

No, the point is that credit cards give people a line of credit, which increases overall liquidity. People buy things on credit cards they wouldn't otherwise be able to. When they buy that thing on a credit card, the company selling that thing gets the money earlier, and can thus take it and buy more from their suppliers and so on and so forth. Bitcoin removes overall liquidity, by behaving like cash. The merchant may save 3% on bitcoin transactions, but they will have fewer transactions.