Merchants were the lowest class in Edo Japan. Merchants couldnโt insult Samurai directly because the Samurai could legally cut them down on the spot. Only the lowest of FYP midwits could see โpsychological revenge for centuries of class oppressionโ and think it โchad.โ
The samurais were the โvirginsโ while the merchants were the โchadsโ in Edo Japan. This is probably why samurais made up bushido because they were tired of being mocked as nerdy bureaucrats.