I've been following Bitcoin for a while now, and one hurdle to its use as a currency I'm not seeing how to overcome is the lack of accountability in online commerce. 

Online shopping works in large part because you know that if BudgetComputer.com doesn't send you the memory they promised, you can always sic Visa on them.  With Bitcoin, one party has to hand over their goods or money without any way of knowing that the other party will hold up their end of the bargain.  And if they don't, there's nothing you can do about it.

What is to stop people from putting up websites, collecting money, and then simply disappearing with it?  Wouldn't adoption of Bitcoin essentially drive out small businesses as people flock to the larger sites like Newegg and Amazon, in the hopes that a big company is less likely to rob you than a small one?

I'm trying to make my five posts so I can get out of Newbie land and someone keeps deleting all my posts, even my very innocuous white list request.  What's going on??