In reply to Chris Farlee.

"doesn't involve a consumer being hassled by having to pay to convert money to BTC"

That's completely outside of the scope of the protocol and these issues are inherent to the fiat system not bitcoin.

As someone who has been using bitcoin for 3+ years, I find credit cards, banks and other payment processors awkward, although I have a bitcoin income, so I'm not affected by constantly converting.

While adoption is still limited, hopefully it will get better with time.

Personally, I'm amazed by the progress so far.