So I go to the newsvendor and get the paper, but then I can't get a coffee next door, because I'm on cooldown?
Sure you can if the payee supports sending the transaction to the balance management database. The database will respond with a confirmation (digitally signed) which will then revoke the cool off time. The cool off time is there only to make sure that the database is up to date (regarding usable balance) even if the payee doesn't support sending the signed transaction to the database for confirmation...