Because I don't trust the merchant, at least not when I don't have to.

So even if you go to the same restaurant twice a month, you would never pay cash? I'm not sure we're understanding each other here.

There's a big difference in a face to face transaction with cash, and online with BTC, in that in the former case I have physical product in hand (or services rendered) BEFORE I hand over a dime.

BTC aren't only for the Internet. Until you said the word "online," the thought didn't even cross my mind. Thanks for clarifying my confusion, you have a valid point. I guess I never disagreed with you.

Sit down meals are generally eaten on credit. I guess you have to trust that you don't get food poisoning.