I think people are insufficiently amazed at credit cards. You can walk into a store in a country you’ve been to, pull out a piece of plastic they’ve never seen before, and walk out with basically anything, in seconds, with almost no words exchanged.
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“How does the bank trust you?” “Oh a computer made a judgement call on me at 3 AM.” “But but but!” “Yeah all the reasons you’re thinking this can’t work are in fact true AND they’re priced in AND it’s still cheap enough to run on a few percentage points of a $8 ticket.”
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Many merchant settlement times are 24-48h.
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