Instant settlement doesn't necessarily provide 'value'. I can arrive at a store entrance, and in 30 seconds be leaving with a new macbook, paid for on my VISA

Instant settlement doesn't necessarily provide 'value'. I can arrive at a store entrance, and in 30 seconds be leaving with a new macbook, paid for on my VISA card. I can then pay it off 56 days later without paying any charges or interest. If i couldn't do this the store would almost certainly make fewer sales.