I think a system would have to be developed to make the process faster. What really can be done is to actually have a card-swapping type of system. User will have to enter his credentials in a machine and enter the payment amount. Then after authorization, shop owner can collect his payments from coinbase, localbitcoins or any platform. In short, coinbase, localbitcoins will actually work as a bank and can have small fees for their services.
That would be pretty complicating. The whole point of decentralized currency is that it is decentralized. If we bring in card swapping, or any other kind of banking stuff, then how will it remain decentralized. It will ultimately become a controlled currency.
other than that, the whole point of Bitcoin is to be as anonymous as possible. if a centralised authority control your money, it can potentially track you spendings too.
Once the money is sent its as good as received. How is someone going to manage to double spend? Run around the corner and try send the same money again? Why are you not asking the same questions about shops and credit cards? The money can always get chargebacked something like up to six months later so are you worried about that?
the owner can always proof that you were the one who purchased by showing the authority their cctv footage. also, the ID aren't needed to create a Bitcoin address.
Ok but we are talking about shopping at grocery stores with this "bitcoin debit card" or "offchain payment provider" type thing.
I`m sure nobody cares if you buy a chips and a coke, there are atleast 50 people seeing you buy it in the shop so i`m sure privacy is not important there.
Well of course if you were to buy some intimate stuff (sex toys, medicine or intimate objects) then thats another scenario, and privacy is important there.
But so far from shopping groceries or other public objects, i dont really care, and neither should you.
Most companies would have to comply with the local law to operate there. If they happen to operate in a country with strict KYC policies, they would be required to have the customer's documents verified. This can be problematic since NSA are interested in spying on people. Isn't it so much easier spying them by the payment processor?