The last block was 38 minutes ago and that is "not ready for prime time" or usable in the real world......We are delusional, this thing is not working!! 
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[/size]People wire billions/trillions through the banks and it takes ...days. So, even if it is used to transact a fraction of this volume in a few minutes time across the globe, it's still good. And remember there are A LOT of people that do not have access to banking services, credit cards etc on a global scale.
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The OP's concern will go away when a "credit card" service will show up.
One that you load your coins to, and they perform the transaction instantly.
Somehow, like what happened with the banks.
They didn't have credit cards before did they?
I am sure that we are soon to find out that a service like this will be announced and it's probably from one of the big players.
Wouldn't be surprised if it was VISA itself.