You can also do what credit cards often do when you first start using an online store.

First transaction takes about an hour while the entire transaction is fully verified, card checked, whole nine yards.

Subsequent transactions, you get the benefit of the doubt and it clears with only the checks that can be done in a few seconds. I guess maybe the credit card company has insurance to cover the fraud or something.

There might even be a business model in rapid address check + fraud insurance for sub-$25 zero confirmation bitcoin transactions.