Interesting, so it sounds like a mixture of Gresham's Law (Bad money driving out the use of good money) and lack of tolerance for volatility when having to pay bills. I often see that but what about a merchant who might only convert some of their revenue to bitcoin while keeping the rest in disposable fiat to pay the bills? Or as underground black or grey market money that is easier to avoid taxes? Or maybe even a better alternative to paying high credit card processing fees or offsetting inflation... I guess I have tried all of these arguments at some point.