To add to the list of how many of those problems are already solved in the EU :

> Allowing merchants to save 2% in credit card fees (which doubles their profit margin if it was 2% to begin with).

In the EU those fees are capped at 0.2% for debit cards, 0.3% for credit cards [1]. It'll be helpful if the crypto currency fees gets even lower than those, but 0.2% starts to get pretty low.

[1] http://www.consilium.europa.eu/en/press/press-releases/2015/...