If you're at a cash register and there's a slight chance that when you use your credit card that it won't accept a payment for an hour, wouldn't you not want to use that credit card?
You understand that credit card payments don't usually get settled immediately, right?
If you want a comparable experience to regular credit cards, simply accept unsettled bitcoin transactions, and get some insurance for the events where the unsettled transactions got double spent.
You'll get the exact same experience as a bank, with a much faster settlement time, and significantly lower fees.
Bitcoin was never intended for instantaneous transactions. Remember when credit cards were offline and bulk data was processed at the end of the day with one roll-up transaction phoned in? That's basically the solution.
Assuming it's a problem in the first place. The consumer EFT system in my country routinely has a 30 - 60 minute delay before the transaction can be processed, and that doesn't stop everyone from using it routinely to pay their rent. And actual wire transfers still take days. That would seem to be the competition. (Comparing to credit cards is flawed, as the funds don't transfer custody with a credit card for some time, as anyone who has dealt with a chargeback knows.)
It was originally intended for exactly that - instantaneous transactions. It was only a huge rift in the community in ~2014 that saw it turn away from the original mission.
The original paper that defined Bitcoin "supposed" mining would take 10 minutes per block, which is what the implementation has in fact always targeted... how was it ever "originally intended" to run instantaneously?
It also suggested waiting for multiple "confirmations", i.e. further mined blocks on top, to reduce the risk of a blockchain history reorganization. 6 confirmations is generally regarded as full confirmation.
