Do you do a bank transfer when youre buying coffee? Or do you do bank transfer when you buy stuffs in a supermarket? I have no seen where its being done and what they make use of is POS (Point of Sale) which they request just for your credit card and deduct the total money for what you bought, and that is way much faster than it will be if you are using a Blockchain wallet. I dont know if anyone is really getting what Im saying.
These are definitely valid points and will be a big hurdle to overcome for bitcoin and other altcoins. We at Nodis.io recognize that issue and so we only allow people to buy vouchers on our website using their tokens. Then shoppers will take those vouchers to redeem at stores. Much like how Groupon work. Shoppers earn tokens through participating in promotional Challenges.