If I walked into a cafe where nobody knows me, got a coffee, and sent some BTC using a personal wallet - don't you think the owner would want to wait for confirmation before letting me leave? Wouldn't I have to wait at the door for 10 minutes awkwardly holding my coffee?
That's the point I'm trying to make.
If it was my cafe? No.
But I'd have a security camera, and a log of fraudulent transactions with timestamps. I'd refuse service to you, and possibly press charges against you for fraud/theft if you ever returned to my shop.