You make a good point with credit card settlements. But those affect the merchant and not me as a consumer. In fact, it benefits me more to have protections against fraud. So no transaction fee, instant payment, and fraud protections. Not really swaying me. Then the merchant has to liquidate all the BTC so he can pay his employees.

Don't get me wrong. I'm all for crypto. I'm an enthusiast and I'm learning. Not an expert at all (make no claim to be at any point). Just throwing out random thoughts as a consumer.