They already do this same thing by taking the risks in dealing with credit card fraud and charge fees. This results in Bitcoin being more of a reasonable option for online commerce (where time is less of a factor), but rather weak for in-store payments.
Bitcoin is valued for Fast and Cheap Payments

This is technically true, but I think it’s worth pointing out that a double spend attack is the only way the money doesn’t end up in their wallet, which is a pretty expensive attack to mount. So, given the transaction doesn’t cross a threshold, the attack would probably cost the thief rather than be profitable.

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