Out in the Real Economy there's a thing called cash flow. You can't pay your employees before your customers pay you.
> FYI there's no reason for 'all your transactions to be on the blockchain' - that's just the way it works today but that can change.
You're right. There's no reason.
As an employee, you're not there to provide working capital for your company, so if you're buying something really that the company should be paying for, they should be able to pay for it immediately.
Again, this may be true in Corporate America, but it's far less true in small businesses (which are a huge fraction of any economy).
> As an employee, you're not there to provide working capital for your company
No, that's the role of my credit card company (and what's more, they pay me for the pleasure & my only real expense is divulging my employer's spend).
It's also possible that the government could get some of their taxes right away. Obviously not in call cases due to varying accounting issues, but it could work.
FYI there's no reason for 'all your transactions to be on the blockchain' - that's just the way it works today but that can change.