[aianus]

So use Bitcoin where you trust the seller or the amount is small enough that you don't care and pay the 2-3% credit card insurance premium everywhere else. Win-win.

[Nursie]

Personally I'm happy to have that 2-3% act as insurance on all transactions. Even trusted sellers screw up, fairly frequently.

[rlpb]

Or when the amount is large (and so the 2-3% is huge) and you have a particular reason to trust the seller and save that money.