[nrhrjrjrjtntbt]

Not really. Credit cards are immediate.

Bank transfers can be quick but also can be slow so fair point there.

I dont experience much friction paying for things though so I dont feel I need crypto for that.

[lawn]

Credit card payments may seem immediate for you, the customer. But for the business owner it's not always so since the customer than issue a recall and many people abuse this to great cost for the businesses. See "chargeback fraud".

[nrhrjrjrjtntbt]

Yes. By design because it is credit and under jurisdiction of consumer law.