There will be a tipping point when a retail chain creates its own currency on the blockchain with possibly a Proof of Stake element. People could exchange for this currency and make purchases within the store. Currently stores with their own customer loyalty programs need to allocate a reserve in order to accommodate purchases using these points or they might sell gift cards. Due to the nature of exchanges, prices rise and fall on any coin. Stores could reduce their reserves (freeing up capital) by buying back their coin if the value drops below par. It also increases their asset holdings as the cryptocurrencies advance above par - because of pre-mining and when they recover their coin.