> It solves 2% credit card fee.

Are you sure? There were a lot of Bitcoin wallet servers compromised lately. I guess that for a really well secured wallet server you have to pay something. In case of thefts, people will want some kind of insurance and so on.

Bitcoin, compared to credit cards, functions as a decentralized system. Is it really cheaper than centralized system in terms of transaction costs? I mean computing power, required hardware and software.