Chargebacks (i.e. unhappy customers) are a part of any business. Remedies might be business or legal, but you can't just wish them away by excluding them from a payment solution.

I have no idea why you think that's related to time to confirm that a customer has money to pay for goods, which is an entirely unrelated problem which bitcoin solves badly in comparison to current payment networks, and due to its distributed nature is unlikely ever to solve well.