Low tx fees compared to CC and even ACH transactions is a win-win as long as the merchants are passing the savings on to the consumers (which some do).
Same with chargebacks. Realistically they've become more of a fraud tool then a protection mechanism.
Sensitive data - PAN and CVV data is sensitive to the point where merchants are forced to spend millions to be compliant with the PCI DSS standard so yes this is a huge deal.
That same tokenization technology you're referring to is there to reduce the PCI footprint. This tech isn't cheap but is worth it for the merchants and again is a non-issue for BTC.
With chargebacks, you're missing the bigger picture. If someone mugs you and steals your credit card, you call the bank and your stolen card's cancelled, plus the mugger now has a paper trail. Bitcoin, someone mugs you and steals your hardware wallet, well, sucks to be you.
Regarding PCI, a lot of the things that are mentioned are things that you should be doing anyways. Walling off your billing network, getting a third party to audit your systems, testing your systems. I've been with a company going through a PCI compliance audit, and I think the only thing that really needed changing was making a few configuration changes to the web server to disable a few legacy defaults. Perhaps I'm just too old for the break early, break often scheme that most teams want to run under, but having certain areas of code need a bit more diligence before being pushed out is not a terrible thing.
Chargebacks - well sure they can be used as intended (although in your particular scenario the mugger would have to be able to get into the wallet), the reality however is that chargebacks are a source of fraud which is costly for the merchants to deal with and as a result the cost is passed on to the consumer. With bitcoin, just like with cash, the merchant knows that they are safe from the chargeback scenario and is in position to offer discounts to consumers paying with bitcoin. My local gas station is charging less if you pay with cash vs a credit card for example.
PCI data is "toxic". I spent about 10 years working for a company whose primary business was working with the merchants to help them reduce their PCI footprint - they were paying us millions of dollars to do that. Guess who was paying for it at the end of the day?
I'm not saying accepting bitcoin as a method of payment means throwing caution to the wind. I'm also not saying PCI is unreasonable - but again things like PCI are there because the way Credit Card processing works makes Credit Card data extremely sensitive and prone to abuse.
Same with chargebacks. Realistically they've become more of a fraud tool then a protection mechanism.
Sensitive data - PAN and CVV data is sensitive to the point where merchants are forced to spend millions to be compliant with the PCI DSS standard so yes this is a huge deal. That same tokenization technology you're referring to is there to reduce the PCI footprint. This tech isn't cheap but is worth it for the merchants and again is a non-issue for BTC.