I am probably going to get nailed for this but its the truth, BTC transaction sucks🤦♀️ its slow as a snail, I am trying go send some bitcoin to exchange using my trust wallet and it's just there over 5 minutes, imagine been in haste in a store nearby trying to pay with BTC using your wallet and this happens, you are forced to wait around till the transaction go through, not a good feeling at all.
bitcoin confirmation is the equivalent to wire transfer, not tap and pay debit card.
what your not realising is when you use tap and pay debit card. if you look at your bank statement you usually see the amount in a "pending" column where it takes a day to be in the settled balance column.
bitcoin can be seen by merchants as pending and accept a transaction as unconfirmed in milliseconds. but like debit/wire transfer the actual settled account takes longer
for fiat its 24 hours in most cases. .. for bitcoin its about 10 minutes.
if you are buying something small. many merchants can take the risk of accepting tap/pay or bitcoin while pending/unconfirmed. but some that want larger amounts like rent/mortgage payments wont accept it as paid until the funds are settled.
EG places dont accept your rent/mortgage is paid if you hand hem a signed cheque unless that cheque has cleared 5 business days later.