"Tap-and-go" is an illusion, and like I said the payment is not fully processed for 1-3 days. Low-risk merchants (e.g. under $100) can accept crypto on 0 confirmations (just checking wallet balance) and accept the double-spend risk. This is similar to the chargeback risk merchants take by accepting credit cards (albeit with fewer protections on the crypto side).
I agree BTC fees are high, but for even moderately large transactions (>$25), it is cheaper than credit card/ApplePay/GooglePay/Paypal/AmazonPay fees.
Edit: and even after processing, chargebacks are often viable for up to 60 days.
There's nothing stopping trusted 3rd-parties (e.g. mastercard/visa) from building wrappers to hold the btc in the meantime and mitigate end-user risk (full circle woo!). Definitely fewer protections from bad-actors with direct btc transactions, but that's by design (e.g. no requirement for a third party)
I agree BTC fees are high, but for even moderately large transactions (>$25), it is cheaper than credit card/ApplePay/GooglePay/Paypal/AmazonPay fees.
Edit: and even after processing, chargebacks are often viable for up to 60 days.