If credit cards take 180 days to be confirmed how will you buy coffee at Starbucks?
This.
Non-merchants usually don't realize that it actually takes 6 months to confirm a credit card transaction. Merchants just let you have your stuff immediately because it would be stupid to tell you wait 6 months for a coffee. The reason they can do this is because usually only about 1% of customers try to scam you anyway, so it's not important.