I am sorry, but I think everybody here is wrong in a way or the other, even bitcoinologist.
So you are also waiting 180 Days on a Credit Card transaction until it's "confirmed" and can't be reversed anymore?
Confirmations only mean there is no possibility of fraud anymore.
A 0 confirmation transaction is still by the several orders of magnitude saver than a Credit Card or PayPal transaction.
Like already said a 100 Times. Waiting for confirmation makes onnly sense for High Value Goods and for high turnover trading.