"that is a policy, not a technical limitation" It's a difference that doesn't matter to the payment recipient. The sender can steal funds with charge back frau

"that is a policy, not a technical limitation" It's a difference that doesn't matter to the payment recipient. The sender can steal funds with charge back fraud. Period. Therefore the CC tx is not "fully confirmed". This is the #1 reason merchants love Bitcoin. A great solution to the very real problem of CC fraud.