dadamn

It puts you at risk to your suppliers, but reduces the risk from your customers. In terms of reversible/non-reversible, it's the same functionality as cash payments.

Although the payment vehicle is different, the business transaction is essentially the same as all business transactions and requires an amount of trust.

Perhaps a better question than the speculative "how long do you think it'll take" is "What do you think it will take increase merchant adoption?" In terms of actions, practices, legal rules.