The entire point of the difficulty is actually to keep the confirmation time at 10 minutes.
Confirmation time is 5 min in average. 10 minutes is the gap between blocks.
I still don't see how this is a problem. People pay with credit cards all the time, credit card operations aren't confirmed automatically but people don't seem bothered by it. I would trust a pending BTC transaction 1000 times more than a credit card one.