Yes. That’s why cryptocurrencies won’t work in a physical store because the customer would have to stay in store for several minutes until the merchant can release the product.

But this is not an issue for online marketplaces like Steam. Customers should be willing to wait 10-20 minutes to get their video game key, or for Amazon to start processing a delivery. Faster cryptocurrencies like Litecoin actually take around 3 minutes to confirm transactions. Mullvad’s model is pretty good, where your account doesn’t get updated until the transaction is confirmed.

It sounds like a good compromise, unless dealing with payment processor policies is not as bad as they make it sound.