I re-iterate, credit cards are already inferior to Bitcoin for point-of-sale transactions without ANY confirmations whatsoever.
100% wrong.
It is consumers who decide what payment mechanism succeeds and Bitcoin is inferior for POS transactions to credit cards, since credit cards offer protection for free, whereas Bitcoin doesn't. Only a fool would pay with Bitcoins for any goods if they could pay with cards.
That is why Bitcoin will never take off for buying goods other than where it has advantages such as in very small payments or cross-border where the parties do not have access to usual methods.