Most Merchants don't even understand how Bitcoin works, and they probably don't even understand how square terminals work either but are forced to learn since the alternative was not getting any money. Bitcoin has been around since 2009 but only recently has started becoming usable for most real world stores. You need to realize most people aren't you Darth, most people aren't earning $100,000+/year as a dev with 120+ IQs, most business are ran by people that most of their funds disappear as soon as they come in, and probably have 100 to 110 IQs. Most merchants are probably well into their 50s, and 60s, and have been living off of fiat their whole lives. If you want to help Bitcoin stop thinking like a 20 year old white dude, and start thinking like a Boomer, or an African, and see what would change that mindset. People will only build the infrastructure once they see the utility for it, and Square is showing, and teaching people that Bitcoin has utility by meeting them where they're at because the alternative is no adoption. I hate fiat rails as much as you do too but I use Flexa, and other fiat mechanisms too for Bitcoin sometimes because businesses won't fully commit unless they see the investment being worth it. And yes Bitcoin infrastructure is cheaper, and easier but unfortunately right now most businesses have to operate on fiat. Square changes the game though, it simplifies the process, and let's the two currencies compete, and overtime businesses will give preferential treatment to Bitcoin once they see the benefit to them.

It isn't an excuse, but most people don't try to look for better opportunities, even the semi-entrepreneurial ones who form small businesses, until it becomes so obvious that they'll die without it that they finally get motivated. Most people stay ignorant.