If credit cards take 180 days to be confirmed how will you buy coffee at Starbucks?
well, there's a 3rd party ensuring that you won't be scammed (when using a credit card). with bitcoin, there's only you and the provider.
Credit cards don't protect the merchant from getting scammed. If you make a purchase and then report the card stolen, they'll steal the money back from the merchant so they can repay the cardholder.
In short, credit cards are safer for consumers, but Bitcoin is safer for merchants.
Agreed, the current system is incredibly unfair for merchants, who always get left holding the bag. Even if they do all the proper steps. Bitcoin is a monstrously huge improvement.