i think this is a pretty important question to ask, since most people are buyers and not sellers. while things like inflationary currency and privacy are important, im skeptical that they are big enough reasons for the average person to really move the needle here.

one practical reason could end up being cost. with the ubiquity of credit cards, most businesses need to bake in the credit card fee and chargebacks into the cost of their goods. its possible that some buyers would be willing to forgo the buyer protection in exchange for a discount on some purchases (assuming the credit card industry doesn't lobby to make offering these types of discounts illegal...)