Sure, but it is a lot easier for companies to proliferate and compete in the space we are talking about, than in the credit card/PayPal type arena. It's a simpler business to run with less regulatory capture and old-boys-club effects.

Plus, bitcoin gives customers the OPTION to not be able to do charge-backs (99% of the time you know you don't need it); that saves money for the merchants, which can be passed on to consumers.