It is to complicated if you just want a burger.
PS: Don't shoot the messenger..
the internal implementation of a banking system and a credit card is also too complicated but you don't see anyone complaining!
the reason is simply because the "end user" being the customer or Mc donals both won't be exposed to the details and complications. they just use a simplified interface which is that little device you swipe your credit card (i think it is called POS in English!) or a simple wallet interface for bitcoin.
the same way you don't need to know what happens when you swipe your card you don't need to know about fees, etc in bitcoin. the App should analyze and tell you everything.
and then the same way that credit card device rejects a dead or stolen, ... credit card, another bitcoin app/device can reject bad transactions with low fees or other risks.