Cost of customer support is really expensive and people do not like fees. Ultimately, you get this support with a credit card (which takes ~3% fee from the recipient). From a business perspective keep in mind that wages are only one portion of employee cost. (Benefits are about 50% of wages. Training, buildings, turnover ect. ) The reason Bitcoin was successful is that it could not be shut down (decentralization); many earlier attempts; by real "traditional" businesses to introduce similar products (with real support) or backed by Gold failed due to government regulation.