[jki275]

It's kind of all of the above.

As to your questions, you can spend it some places. I think newegg takes it, Valve used to take it with Steam, etc. There are corner delis who take it, I'm not sure about yours. Your employees may be ok with you paying them in it, but that's an agreement you have to have with them.

To your last question -- no, I wouldn't think so at least for now.