You do not get the same guarantee with a credit card that you do with an irrevocable block chain transaction. Checking the source accounts balance (which is pub

You do not get the same guarantee with a credit card that you do with an irrevocable block chain transaction. Checking the source accounts balance (which is public with BTC) you could quickly verify funds and have high certainty the transaction will proceed. This is in effect how credit card transactions work under the hood as well. Finance still heavily relies on night time batch processing.