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fees- it costs to fund/cash out coins...you flat out ignored this...
quick setup time - 0.1% of homo sapiens are savvy about wallets/exchangers/setup etc...people will not send you money unless they are comfortable with the payment method, and if they do not understand it they will not use it...
you may argue that they can learn and do research, but they want to do biz...they do not want to spend hours researching what wallet/what exchanger/what ponzi coin etc...they do not want to spend days waiting for their wallet to fill up and then spend hours waiting for the transaction to clear...also coins give them zero protection...once they send the money they can kiss it goodbye...customers do not like this...
it is not important what you consider convenient and quick, it is important what the customer considers convenient and quick and this is paypal and CC (credit card not crypto currency)
personalized risk management you completely ignore that coins are used 99% for pure speculation and 1% for trade...95% of the volume of all bitcoin trade in the last 2 years went over 4 china exchangers...coins have no real use outside of speculation and online crime...this is not my opinion this is fact...some mainstream website may accept it as a novelty but what I said stands true...
you found some examples of conventional payment processor issues but every system has one...cash can get stolen, paypal can freeze your account, credit cards can be hacked etc...bitcoin is prone to all of the above and more...
customers pay with that THEY want...you either understand this or your wallet is going to be empty...a lot...
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