Say what? Dispute - How is this any different than today. The credit card company is the arbitrator. Also, will this new arbitrator process in bitcoin-land cos

Say what? Dispute - How is this any different than today. The credit card company is the arbitrator. Also, will this new arbitrator process in bitcoin-land cost me less than in credit-card land? Also, where is the improvement on the status-quo in this new scenario?? Secure - I concede that what you say sounds possible. Perhaps with a nice UX, but I don't see anything like you suggested available today. Also, how much will this online service cost? Will it be cheaper than government-backed money (ie. Chase/Bank-of-America/Credit Union/etc). Again, all the solutions I see to have bitcoin lead to mass adoption are solutions that seem to add costs that will lead it to be no better than using current infrastructure.