[this_user]

Fraud and theft is much more rampant in the BTC universe. By now there have been dozens of large-scale thefts when services were compromised. And unlike with established payment solutions it is next to impossible to get your money back if it happens.

As a consumer it is also impossible to pay with BTC ad hoc unless you already own some and thus expose yourself to its volatility. Of course I could see something that I want to buy, then log onto a BTC exchange (which requires me to already have an account) and buy enough BTC to then pay with those BTC. But why would I subject myself to that additional effort for no practical benefits for myself?