"knows they'll get the money" is different than actually has the money. And they don't know, there could be a chargeback, the credit card company could decide their business is illegitimate and withhold funds, the federal government could intervene and stop the funds. It is absolutely not the same as cash or bitcoin.
Sure, but the risk is low enough that Aldi is happy to let me take my food out of the store within a second or two of tapping my card. For the _extreme_ vast majority of life, that's plenty.
