> For a merchant a CC transaction can take up to 30 days. A customer can initiate a charge back any time between when they txed and when they pay their bill.

Customers don't care how long a transaction takes for the merchant.

Have you ever tried selling anything for bitcoin? Nearly no one will use it even when being told of all the "benefits". They don't want to wait 30+ minutes. When they see they need to give some exchange a scan of their passport and wait 3-5 days to link their bank account, and losing the ability to do a chargeback, they never think about using Bitcoin again.