What customer loose when paying with bitcoin - protection. On the other hand when customer pays with credit card, merchant essentially do not have protection. B

What customer loose when paying with bitcoin - protection. On the other hand when customer pays with credit card, merchant essentially do not have protection. But merchants cover that by increasing price to cover accidental fraud. Therefore merchants should lower price by 2-3% (credit card processing fees) + 5%-25% (not sure about exact amount) to cover lost protection by customer and gained protection for business. When this happen, I bet there will be some people who will be alright getting better price in exchange for loss of some protections. Otherwise it doesn't make sense now to not use credit card.