Yup. eth transactions could happen in the time it takes to run a credit card if you wait for just a couple confirmations, which should be acceptable risk for point of sale. Bitcoin has lightning.
As to your last point: credit card fraud is still rampant and hardly anyone accepts checks outside of contractual b2b transactions. The issues with those technologies are technical in nature. Sending a crypto transaction doesn't allow someone to fraudulently charge your account like those technologies do. Whether chargebacks should even exist in a secure transaction system by default is debatable. I personally don't think that kangaroo court service is worth the fraud + global ~3% fees. Think about all the chargebacks you've made in your life that weren't related to credit cards just being insecure. I'm certain they are not worth 3% of your total spending.
As to your last point: credit card fraud is still rampant and hardly anyone accepts checks outside of contractual b2b transactions. The issues with those technologies are technical in nature. Sending a crypto transaction doesn't allow someone to fraudulently charge your account like those technologies do. Whether chargebacks should even exist in a secure transaction system by default is debatable. I personally don't think that kangaroo court service is worth the fraud + global ~3% fees. Think about all the chargebacks you've made in your life that weren't related to credit cards just being insecure. I'm certain they are not worth 3% of your total spending.