All US registered business hold insurance for risk reduction. It's a requirement of many businesses to hold insurance. This is the reason, I believe Walmart and Ebay and Corporate America will never accept bitcoins completely.
I made a post before that was called "Bitcoins are not what you think", but that post was more of a rant than an attempt to get a point across. What I was trying to explain was that Bitcoins are the antithesis to the system because it's an alternative unstable currency and always will be.
I never meant to say that people will not accept them, and small businesses will not work with them. What I meant was that Big business cannot, by nature, integrate bitcoins into their accounting structure. It must always be kept separate in some way, and due to "risk" the insurance companies will not insure these companies that mix their accounting with dollars and bitcoins.
The entire system is designed around centralization. Bitcoins are designed around decentralizaton.
So, in order for bitcoins to become mainstream, infrastructure must be created to allow Bitcoin to operate INDEPENDENT of all commercial banking. If you are a business, you will likely have to keep all your Bitcoin transactions completely separate and you'll have to work through exchanges to get your bitcoins converted to dollars. The key is to not need to convert those bitcoins to dollars. If you need to, then the key is to do it outside your business.
In other words, people need to stop expecting bitcoins to be the same as the dollar in it's operation or execution. I don't think they can ever be integrated together, in a business, in the United States. That does not mean there cannot be bitcoin related businesses, but they will not likely be able to accept bitcoin without dramatic hassles in their accounting and insurance.
Maybe people need to stop creating infrastructure that integrates bitcoins with the dollar, and create infrastructure that allows people to use bitcoins independent of the dollar. I'm not sure how this will be applied exactly, but it seems to have more to do with individuals than businesses. By nature, business has too many entanglements in laws and regulations, and they all revolve around the dollar as the unit of currency. If the banking system and the insurance system, under the banking system, is all tied intimately to the dollar, maybe it's wiser not to use that infrastructure for bitcoins, and to create a whole new one completely independent of the dollar and credit cards and the whole debt based system.
Bitcoins are not debt instruments so how do you integrate them into a system created specifically, for debt instruments?