When you are sending with a credit card, you are not sending it anywhere near "instantly". The receiving end pays a 2-3% fee, and doesn't actually get access to

When you are sending with a credit card, you are not sending it anywhere near "instantly". The receiving end pays a 2-3% fee, and doesn't actually get access to the funds for anywhere from a few days to a month later. And even once they receive the money, it can be clawed back if it's fraudulent, was done with a stolen card, etc.