[aeternus]

Those examples ignore the other side:

If I'm a merchant and someone uses a stolen or cloned credit card, or simply performs a charge-back, they get my goods for free and I have basically zero recourse.

If I'm a merchant and someone pays me with bitcoin, I'm not out any money regardless, nor do I have to expend time/money/legal resources to ensure I keep that payment.

[Fellshard]

Show me merchants who trust Bitcoin enough to accept it directly, and not through an exchange.