I think you're seriously missing the point. This whole discussion has been about the fact that bitcoin funds transfer isn't instant, it takes 10 minutes. With c

I think you're seriously missing the point. This whole discussion has been about the fact that bitcoin funds transfer isn't instant, it takes 10 minutes. With credit cards, regardless of when the funds transfer happens, you're given a guarantee instantly. That's what really matters so you can deliver goods. And while a shorter "fraud vulnerability" window is good for the merchant, it's terrible for the consumer. People have come to expect that they can get their money back if they get scammed or get their CC details stolen, it's a huge part of what's attractive about credit cards vs. cash. Would you carry $50,000 in cash on your person? No. But you wouldn't mind carrying a credit card with a $50k balance on you, because you know you're protected.