...but there is a solution!
I wrote a post about this topic for anyone who is interested:
http://demoinvestor.com/articles/00000001The gist of it is that bitcoin is volatile because it doesn't have institutional investors, and this volatility limits its ability to be useful as a currency. The more stable bitcoin is, the more valuable it is as a currency. The more valuable it is as a currency, the more investors buy like crazy and push the price up, ending the stability.
Adoption leads to forward price movement the estimated future value growth metric is a factor in determining the price. Even when it was in its stable period people used it now at this aggressive people holding onto profits is fine there are always people who use and spend Bitcoin via a service to transact, although less users do that if the fee structure for a transaction makes that an unattractive option.
The best policy is to sell a portion of it enough to cover the cost of the product and take a small profit while leaving the remaining balance as a savings fund in the asset, which is easy a merchant can sell and convert Bitcoins at the point of sale never seeing the loss but getting dollar for dollar what they wanted within a very short frame of time, but by saving a small amount from each transaction overtime the odd dollar here and there does pile up and would not be as burdensome as it seems to implement.
(Could bring up a whole discussion about how small balance sigs being spent will be a pita cause of the size of the entry on send but that gets over complex)
But on institutional regulations the question is in what form do you really have in mind either way HODL.
