They are either a fiat based business or a Bitcoin based business. If they are a fiat business then accepting Bitcoin should be allocated directly for savings.
In future when prices are in Bitcoin the relative swings of the local government fiat will be of no concern.
Most small businesses are barely making it and don't have a savings account.
In my opinion, businesses will start accepting Bitcoin because it has lower fees and no charge backs, but they will automatically convert to fiat (that's what Square's new Bitcoin acceptance rollout does) to avoid volatility.
As time goes by, little by little, they will try to save some money in Bitcoin.
