I think the only way you could sell bitcoins through a reversible payment system (whether it's apple store... or google play or whatever) is by building some kind of sophisticated white list of trust. For instance if you have users that have bought in app purchases..... and after a period of 30 days or whatever time they haven't charged back then they would be more trusted.... than say someone who hasn't.

scammers would flock to an app that you could buy bitcoins with a credit card or your mobile phone bill. I think the only way you can avoid it is by limiting the app purchases per account to very small quantities or going with a white list of some sort.

What if any bitcoin payments are limited to very low prices? Would scammers still use stolen accounts to steal half a bitcoin?

for instance what if you made the max amount someone could get with it.... 1 bitcoin per month or something?

It seems that bitcoins are somewhat the enemy of banks. If banks try to kill bitcoin through their ties with governments.... something else might pop up in bitcoins place. To me, it seems like the smartest decision from a bank's perspective is rather than try to kill bitcoins to ensure their success. And to buy a good portion of them before ensuring their success. There will always be a black market trade.... and banks don't really profit from the black market trade when cash is used. But if they ensured bitcoins success they could easily make billions of dollars. And if later they wanted to kill it.......... they would have the same powers to do so that they do now.

I think banks could ensure bitcoins success if they themselves became exchanges and introduced whatever regulation they could to make bitcoins seem lawful giving confidence to those who may want to use them. Overnight they could invest in bitcoins and make billions of dollars.  But then again......... maybe billions isn't that much to banks anymore.

The only possible downside I can see is that if bitcoin gained popularity.... they lose some control and by losing control they lose some power. But bitcoins... even if they were to become popular I don't think they could replace what banks offer which is a system of credit.  Also, whatever profits they might gain from endorsing bitcoin... they might lose by not being able to charge for ridiculous fees like international wires and things of that nature.

From what I read of the report last year... banks will go after where the bitcoin market and the money markets connect. So places like dwolla will be targeted.