It takes 90-180 days for a credit card transaction to clear, while it takes a bitcoin transaction ~10 minutes. You’re comparing the wrong thing. Retailers typic

It takes 90-180 days for a credit card transaction to clear, while it takes a bitcoin transaction ~10 minutes. You’re comparing the wrong thing. Retailers typically just eat the CC chargeback fraud costs, while bitcoin stores don’t (because the transaction clears pretty fast anyway).